To expand on this, to receive money over Lightning, you need someone else to lock up their bitcoins for you. This is called inbound liquidity, and the problem of users getting inbound liquidity is no joke. Lightning Labs recently launched Lightning Pool to help with this, but fees range from 5% to 25%. Uncompetitive. If you think about it too, it makes sense, because anyone locking up their bitcoins for others should expect a several % return, or else they would loan it out at similar rates. Current Lightning wallets are basically giving their users inbound liquidity for free using VC funds, but is this honestly sustainable? There are other problems with Lightning, like the requirement to be online to receive payments, watchtowers, UX complexity of channels. Some of these are solvable through centralization. But that is why you'll hear people say Lightning recreate the banking model, because realistically that looks like the only way it could work. Oddly, this was all pointed out by many people over the years, but Lightning seems to get endless forgiveness in its inability to deliver, because it is BTC's only hope to maintain the peer-to-peer cash narrative.