The problem is being a liquidity provider.
Not just for the infrastructure and the rebalance, but because as a centralized identity, you are an easy target for the state.
If they decide you are a money transmitter, then good luck.
That's why we need distributed liquidity and possibly separate the service operator from the liquidity providers.

For onboarding, the issue is definitely channel creation.
We may be able to solve this with Ark.