What do you mean not many people are able to set up channels? Perhaps on desktop wallets or some advanced wallets. On mobile there are many reputable wallets that do it for you. All you need to do is deposit Bitcoin to your wallet and it will do it. It can't get more easier than that. On-chain transactions are not king if you need fast confirmation time. LN transactions are instant and they work great for small transactions.
You don't get the point.... There are millions of bitcoin users out there that have never ventured lightning payments mainly because they believe it's too technical to setup and also because of the convenience level of usage in their region. Lightning network is fast growing which is something I'm aware of but I'll still lay emphasis on the fact that it still isn't being used
MAXIMALLY yet.
In some regions you'll find more shops and vendors that accept bitcoin on chain but don't even have a lightning channel setup and don't even plan on setting up one anytime soon even for payments within $100.
But you made it sound like the problem is of a technical nature, that setting up lightning channels is hard. This is no longer true, that is what I am trying to tell you. For users it is very easy using mobile wallets, it is just another wallet with a different kind of address.
Both receiving and sending on Lightning is very simple. I would not say that millions of users believe that it is too hard, I would say that most of them they simply don't know anything at all about it. For merchants it may be more difficult as they may need integration with local currency systems. That part I accept, but I see growing availability in all countries where Bitcoin communities are strong.