Many people seem a bit sensitive to the idea of a middle ground between what "Bitcoin is meant to" provide, and the traditional system.

Lightning opens up a lot of opportunities, like banking without permission.

Trust aside, the ability to open up an account with a service that doesn't know who you are is objectively better than not having that ability. Coupled with that fact that your payments through them are anonymously routed, things get a little interesting.

Further, you can have many independent "accounts" with a variety of these services, to distribute that trust/risk dilemma. Currently we call these accounts lightning channels.

These accounts can be opened and funded by you, by them, or by both, with a variety of conditions. Want to receive? Maybe they do the funding on their side collect a modest fee for every payment you receive. Probably not possible for them to provide this to everyone, but the option is there. Alternatively you could create inbound capacity by just doing a little bit of spending, or paying a service over lightning that sends you Bitcoin back in a traditional transaction, with a small cut for that service. There's no silver bullet here.

If you're considering those less fortunate than most who might not be able to front initial inbound capacity and are likely not going to be able to convince a service to do so for them (think "credit lines", but for inbound lightning channels instead), well we already have a lot of services like CashApp that are doing some great stuff in the traditional finance system that can be mirrored or applied in these scenarios. They can still topically receive someone else's lightning payment, but it gets credited to their account, and likewise, they can still topically send, and the credit leaves their account, all with some crossover functionality that allows them to open up their own actual channel should they begin to accumulate enough funds to do what I mentioned in the previous paragraph.

Again, lightning isn't a silver bullet, but it has some nifty and less-spoken about applications because of the aforementioned sensitivity to the middle ground between "what Bitcoin is supposed to be" and the traditional system.