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It is not black/white. It is okay to have the freedom to become self-custodial anytime, but not everybody needs to transact in self-custody all the time.

Taproot was another major step that enables lightning upgrades in future versions (such as zero-fee channel opens) that is barely discussed. The number of X years for onboarding Y amount of people is not accurate, as it disregards all major developments of the last 5 years.

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You need enough users for providers to bother making it an option to pay with so it really is black and white. You might get a few niche providers offering it as a payment method without a critical mass of users but most companies aren't going to invest time and effort into implementing a payment system a tiny percentage of users have access too and if I need to trade money with my friends the low % means that in the vast majority of cases they aren't going to have lightning available either.

All you are saying is a chicken and egg problem of adoption - nothing todo with the technology itself. Adoption IS growing, so we will see.

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