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 restore friction: losing channel state with an LSP is scarier than losing a plain seed. Fix those three and self custody stops feeling like a chore for normal people.