Its probably best for individual users to buy bitcoin and run lightning nodes. You probably wont earn anywhere near 5% "Yield" but its low risk, more soveriegn, and probably improves the lightning network as a whole. The lightning node yield narrative seems to be coming back and I think bitcoin native instruments are in the works.
And with that being said, you dont really need yield on top of your bitcoin. Although yield from deploying liquidity into the lightning network via your own node makes sense to me.