> Lightning is not a solution. Having to run a node that's online 24/7 is unreasonable

I agree, but with trampoline payments approaching standardization (it is in use by electrum and ACINQ/Phoenix wallet already) and async payments, the 24/7 issue should be gone.

I DO agree that stablecoins are different and probably have a different setup - they are still centralized and require trust (that the underlying asset is held accordingly), while Bitcoin/L2-Lightning are completely decentralized.