If you actually look into how LN works, it's essentially a fractional reserve banking system that overlays the BTC layer 1 network which enables all the same problems of the legacy financial system that Bitcoin originally solved.

The way they want LN to work is a pipe dream though. It has so many technical problems like channel liquidity and adds so many layers of complexity that makes it so you HAVE to use custodial services unless you want to run your own infrastructure which basically requires a computer science degree. It also introduces risks such as:

1. You have to open a channel with someone else to transact, pre-filled with the amount of BTC you want to transact over the long term.
2. You still have to pay the L1 fees to both open and close a channel.
3. You must be online in order to receive payment - this is not the case with base layer BTC.
4. If you can't be online 24/7 you need to set up a "watchtower" (i.e. pay a third party to watch for incoming transactions).
5. If you go offline your counterparty can close the channel and steal the funds.
6. You need to have 8-15 channels at any given time with other random people running LN with enough liquidity in each channel to support relaying transactions between other users.
7. BTC L1 is limited to 1 megabyte of transaction data every 10 minutes, so it would take something like a thousand years to onboard everyone in the world with a LN account.

There's more but like I said it gets really complicated. I've been using crypto since 2016 and I don't want to touch LN with a 100-foot pole.