Any user of, for example, Phoenix, Mutiny, Cash App, Coinbase, a Cashu wallet, Fedi, etc. can seamlessly pay each other and not even understand each of those represents very different tradeoffs and have completely different designs. What they have in common is using bitcoin as money and LN as the open payment protocol.
If you don't like paying 0.4% fees for a non-custodial mobile LN wallet, then you have the option of using a custodial or e-cash wallet to avoid the fees along with the associated tradeoffs.
Yes, we'd all love a wallet design that supports 8B people, has no fees, is as censorship-resistant and security as on-chain bitcoin, but that doesn't exist today.
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As we do not have anywhere near 8B people using it, we should not worry about that. BTC will likely never geht nowhere near that. We also do not have to worry about 10 Gigabyte blocks. This is just parroting the narrative of Blockstream and others.
The fact that you have to pay more for a lightning transaction than for a credit card or SEPA transaction should be outrageous for bitcoin users who were early in the game - but as the majority consists of uncritical number go up Saylor fanboys now with their custodial wallets, i think it is time to accept that BTC as a p2p currency is a failed project.
It provides neither freedom, nor privacy, nor low fees - as an early adopter i move on to other projects which have a better outlook in bringing freedom to the world.
But anyone can do as he pleases, i am sure in 20 years lightning might deliver on its promises of 2017.