I am, however, concerned that lots of people use custodial wallets like Alby or so-called "Wallet of Satoshi". Call me a maximalist, but that kinda defeats the purpose of cryptocurrencies...
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Don’t disagree but would argue the point of Lightning is that it’s ‘easy’. If you treat it like a checking account it facilitates the international settlement benefits Ed describes above. Never to hold anything on lightning that you couldn’t afford to loose…that’s what cold storage is for.