Probably very true, but also the BTC entry barrier (to be sovereign) it's not that good, especially for Lightning. We have a certain cohort of power users who understand the risk of depending on others, but when they see how much they need to study and try to setup "their own bank" at home they give up. These power users are needed to attract others. Apps on someone else systems might work in some third world countries who are anyway largely better then anything else, but not in developed countries... Umbrel/Start9 are good, but marginal, BTCPay Server is complex, a simple unique "app" easy to deploy on GNU/Linux homeservers, easy to administer declaratively and via a webui it's largely missing. In the west still nearly nobody had real baking issues so they are not much interesting to change without such an easy and sovereign entry barrier. Too many abandoned projects, too little docs, so many scam scary many. Those who enter years ago when "entering" means just few fiat for many BTC takes the risk easily, now with current exchange rates things are different.