I didn't find spinning up an Alby Hub to be much more difficult than that. 

The only real extra step you have to take is opening a channel, but you can just pick a channel partner from a dropdown menu.

Undisciplined

If you are talking about dodging the watchful eye of the most powerful institutions on earth, I'm afraid that comes with a great deal of effort.

SirSpencer

Fair. The ability to use lightning fully self custody is there if you want/need it and want to put in a little extra effort. I guess my point is, it's not nearly as simple as downloading whatever mobile on chain wallet and writing down a seed phrase and you're ready to spend/receive. Imo that is the bar for how simple it should be. And maybe in the future it might be? But currently the only way to get a similar UX is by sacrificing custody or privacy or both. This is I guess the crux of my gripe.