I mostly use phoenix. Non-custodial lightning but I don't run my own node.

I don't believe bitcoin has to completely obliterate the idea intermediaries to succeed. Banks are not going away or something along the lines of it will come out. (Bitcoin e-cash and such)

I don't really see a problem in using something like monetary as a paiement tool if you calculated it's worth for you.

But it's not worth it for me in the moment.