The example you describe, "receiving funds with lightning" is not trivial at all in a self custodial way. Even when you open your own channel with an initial on chain transaction, you can not receive funds. You do not have inbound liquidity. You have to either spend the amount you want to receive first - or rent inbound liquidity from a third party. If this is not a terrible user experience, what is? Lightning only works well when you trust third parties. This is not a "p2p electronic currency". It is a permissioned system provided by third parties.