Well, "once people realize" includes many things.
I didn't say I expect it to happen any time soon, even if it's out. First of all, it's still in the very early versions, devs are advising against doing any transaction that you cannot afford to lose because the risk is still there.
What will trigger goods and services being traded for Bitcoin (via LN) is when governments completely ban cash, so people that are basically able to subsist and have a decent life quality by working under the radar, will look for an alternative and LN will be the most viable one.
Accepting anything else but Bitcoin will not be sound, because the underlying networks will be weak and the token will have no liquidity compared to BTC. These things take time. BTC first needs to reach 1 $trillion marketcap to start scaring all the goldbugs and co and snowball effect will kick in.
It is not like I'm somehow opposed to your view. In fact, I support it fully. LN seems to effectively and efficiently solve the issue of scalability, even though some may rightfully claim that with it we are back to square one, that is, back to centralization through LN hubs, which would be blockchain banks just like our regular fiat banks are today. But that's not my point. What you say can happen but it can't happen due to or because of LN. All these good things you mentioned might not happen if there is no LN but it doesn't mean that LN is the cause of or the primary driver behind them.
It is basically the same old cart-before-the-horse problem in new clothing.
Sure LN brings some risks of centralization and it's far from ideal, but then what are the alternatives? there isn't a single altcoin that can scale for mainstream transactions on-chain without fatal consequences at layer 0. So what we have is building on top of a decentralized network.
LN will be better than the current bank system because LN will not magically raise the limit of the underlying token in which it is functioning (21 million coins) as opposed to fiat banking. Some have questioned this and claimed fractional reserve is possible, we'll have to see.
Anyway, LN and ETF, these things are optional. Who am I to stop people from using ETF or LN, people will have to assume the risks and rewards and do what's best for them.
For now, I don't see why I would use BTC to do groceries when I have fiat. But when fiat blows up it would be good to have something ready by then if BTC wants to replace fiat too. The question is: Can BTC be both digital gold and digital day-to-day cash?