I've got a problem lightning, I used to very bullish on the technology, but after trying wallets and reading about, the following make me think it can't succeed:

Easy fiat onboard do not exist, and none seem to be coming. All of them you need to do KYC and interact with the main chain, its super unuser-friendly, or require debit cards.

Taxable events get triggered when transacting with bitcoin. Really hard to manage and a really undesirable side-effect for a consumer.

The need for watch towers and inbound-outbound capacity make the technology hard to understand not usable by mainstream.

The lightning network seems to be heading toward centralization, then what it the point? Is the delta of Credit card transaction fees with lnd fees that big that it warrants it? especially if credit card fees drop with time.