There are some things about how self-custody lightning works that are notoriously difficult to obfuscate away in order to provide a good experience for non-technical users. Phoenix wallet comes about as close as possible, but the tradeoff is footguns when the user runs out of inbound liquidity in their channel and they end up with a much larger transaction fee than they were expecting, because they had no idea they even HAD a channel, or how to manage its liquidity. Some liquidity management can be automated, but nothing really solves the lack of remaining inbound liquidity issue. And that is a concept that many non-technical folks can't even wrap their minds around, let alone want to try and manage for themselves.