Yea except most bank don't let you buy Bitcoin and withdraw it for free and send it over lightning. Some pretty big differences dumb dumb. Again, WTF are you on about?
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River did the same thing to me. THAT'S WHAT I'M ON ABOUT. FVCK RIVER
Seems like your fault for having fiat in river and not Bitcoin in your wallet. I have a strong feeling you're leaving out some details. @River can you help this man?