I wonder how a Lightning user interface would look like. Instead a "Send" button there will be "Open channel" button (same fee as just Send button + X bitcoins to deposit into channel) and then "Send via the opened channel" (no fee) and then "Close channel" (same fee as just Send button). Given this complexity and the fact that you have to spend twice as much in fees to send same amount of money as without LN I really wonder how the "greed" would work.

If you say you need big aggregators like Coinbase... Well, why would a user choose the aggregator instead using um... Zelle for example? Maybe only for transnational payments.