There's not going to be a perfect metaphor. It was intended to show how you increase risk and decrease the amount held in your day-to-day wallet. Same with using lightning and cashu. I didn't really specify which solution I was comparing it to either - my bad. I was think more along the lines of cashu - which is still not an good metaphor as you trust the mint and the person you transact with (until verified/re-minted). My main bad was to not explain how I was comparing it (increasing trust/risk + decreasing amount, NOT equivalent risk and situation)