Speed does matter, a lot, like you said, and I greatly agree. In my opinion the bitcoin devs just got it right by focusing first on security and decentralization, then going to solve the scaling problem, rather than the other way around which is mostly the case for most if not all altcoins.

And yeah, LN is definitely not that easy to use, probably even for some of your typical bitcoin enthusiast. But that's probably more of because LN is really really new too, also knowing that it's a bit risky to use LN for now if you don't know what you're doing. Though I'm quite confident that people will be making LN wallets that are significantly easier to use in the near future.