We'll probably have to move into another smarter way like using 1 multi-sig address for a family; each member could have their own balance in their phone, but they'd all spend from the same channel.
Yes, this will be possible using a channel factory as I mentioned before. Eltoo will allow the creation of such multi-user channels built upon a single channel, and Schnorr signatures will remove the limit of seven users on such a channel.
Technology should never be too complicated on the "user" side... or adoption will be hampered.
Eltoo actually makes things simpler by replacing LN-Penalty. The end user doesn't need to understand the tech (how many actually understand how mining works or how transactions are created?), as long as their wallet can present it in an easy to use manner.