Probably a Luddite view here, but I can't see Lightning being the solution long term, unless we all accept there being a few major clearing nodes to be our trusted middlemen. (MicroStrategy, Amazon, CoinBase, Gemini, Chase, etc.) They will offer to pay all Level 1 and Level 2 transaction fees to be the custodians of your BTC so that you can use Lightning. These major players will figure out how to charge you for that security service. (Amazon will include it with Prime.)
Participating on Level 2 requires a transaction on Level 1 first. The system can't accommodate everyone's participation, nor will many people be able to afford participating. So the middlemen will happily be your BTC lender. And banking 2.0 will be born. Just an interesting excursion to the world of government issued tokens backed by BTC.