I personally find eclair mobile pretty user friendly. Offcourse, there's still a learning curve that's far bigger if you compare it with visa. Afterall, everybody has seen their grandparents, parents,... using VISA since they were born, so the visa-learning curve started allmost at birth. This offcourse isn't the case with BTC/LN.
It's actually one of the major challenges that is hindering the adoption of cryptos in general. The technical complexities are not very easy to understand for the old age people who are comfortable with old school banking system. I have seen my late Grandfather using hard cold cash for every purchases because he was not comfortable with card payment. So whenever he needed some cash, he used to go to bank, stand in the queue, sign on a slip and get the cash from the counter. That's how he was comfortable with.
But that's the initial hiccups every new technology faces and bitcoin and LN is no exception. Our upcoming generations are using iphones and tabs flawlessly. The 4 year old daughter of my cousin sister watches Youtube videos like a pro. When we were 4 years old, we didn't even thought of these technologies. Slowly we have learned and adopted that! Same thing will happen with the current generation as well. They will learn and adopt slowly! It will take some time and support from people like us but that's how we will overcome such technical roadblocks! LN is one more step closer to mainstream adoption!