Yeah, there's a bunch of misconceptions in this article. But a good heuristic for you might be that if someone is LITERALLY more invested in something than you, they might understand it better than you think. The semantic "iT dOeSn'T sAy CaPiTaL in ThE wHiTe PaPeR?!?" argument is just a fundamental misunderstanding of money, capital goods, currency and financial systems. Assets and capital are what determines final settlement. Is bitcoin settlement, final settlement? Yes? Then it's capital. Is lightning utilized as a medium for timely exchange to ease the use of the underlying asset? Yes? Then it's currency. Is there a promise to repay in exchange for interest or equity? Then it's credit. This is how money works.