The complexity of lightning is absolutely staggering. It has an unbelievable amount of technical surface area. You have been papering over it and hiding this complexity from the user behind centraliza...
The problem is simply lack of demand. If there is indeed a demand for payments, we could build L3 over Rootstock and it would be glorious. But there is so little demand that people would brush it off as federation, as if they don't use custodial LNs or custodial ecash mints.