https://steemit.com/ethereum/@crypto-investor/raiden-network-ethereum-s-path-to-1-million-transactions-per-second

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Opinion? "…the only way to receive reasonable fees for Bitcoin and Ethereum will be to have your funds stored on a business website, willing to setup payment channels with others in the industry. We then have to conclude this will economically force people to keep more funds on 3rd party websites."
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you agree or disagree on the article's statement that Raiden and Lightning are likely serving Business to Business platforms , and therefore individuals would have to rely on those platforms instead on own private wallets?  How legitimate is this scenario, can it be backed by some technical hard-arguments?


Thank you all