The cost and complexity of opening channels for users is prohibitive. Any widely adopted solutions will therefore be custodial. Might as well use PayPal.
There's a big difference between a solution which requires you to use a custodial service, and one which gives you the option of non-custodial service - the latter allows for a much greater ability to hold custodial services accountable, by opting to self-custody, without forcing you to change your payment medium in the process.
Sure, I just installed it and its saying some impenetrable stuff about a swap address that is not controlled by my wallet and deposits will be converted to Lightning channels.
