No that’s the thing. You have very little optionality in today’s system. Everything is hyper consolidated. Barriers to entry are prohibitively high. Innovation is repressed. Network effects are captured into oligopolies.
Lightning is the bridge to permissionless finance.
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I admire your optimism.
Good luck finding these reckless dudes granting the permissionless custodianship. They will be there no doubt. But the question is for how long and how you will be able to find them if publicity is what kills these services...
Phoenix didn't want to do it. Alby are trying to circumvent it. What about Mutiny? Tbh, I don't really know why they stopped developing their wallet... But I can imagine the "money transmitter" -regulation is at least a part of it.
What do you think about JAN3, AQUA wallet and Boltz? For how long will they continue offering their potential "ML" service? Oh and btw, WoS left US appstores, too. Custodianship enables regulation. Regulation forces permission.
Fiat banks started the same way. Over the decades they degraded into the same garbage with different brands.