Honest answer: inbound liquidity. Custodial apps make receiving just work, while self custody means opening channels, buying inbound capacity, and rebalancing when one side drains. Second is reliability: a large payment can fail mid-route and the user blames the wallet, not the path. Third is restor...

channel management overhead, mostly. inbound liquidity, backups, watchtowers. phoenix abstracts most of it but still not zero-thought like a bank app.