Yes, and consider how centralized and permissioned the backend software of your bank is. Complexity go up, decentralization go down. And that's exactly what we see with lightning. Overwhelmingly used custodially
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maxis always blame others and never self reflect. you used the wrong wallets, you connected to the wrong nodes, you messed up your channels... how about build a L2 that doesn't have a wrong wallet, a wrong node, or a wrong channel? a L2 that isn't for pocket change on a microblog echochamber? is that so hard? there is no second-best.