Multiple Countries are now banning banks from accepting money from crypto exchanges, this blocks the hope that people in those countries will take payment in bitcoin.
Zimbabwe, Bangladesh and Ecuador, we can live without them
Besides, is the other way around, we don't need banks as long as the coins remain in circulations and are not cash out for fiat.
LN is massively complicated , don't really expect the majority to run to it.
You will have a few LN hubs run by some rich fat cats as they have the resources to keep the techs on staff to run an LN hub safely.
But the hobbyist won't have the funds or resources to keep up for long.
Indeed, only a few hubs...
https://lnmainnet.gaben.win/If LN does catch on , people will just give their bitcoin core coins (ie deposit) to a 3rd party (ie bank) and let them manage it and avoid the technical headaches.
LN Design was always to complicated for the average person and it was designed so banks with larger tech resources would control it.
Same was said for bitcoin itself a few years ago....