I understand how reputation systems work, but this puts a lot of responsibility on new and uninformed users to make good choices upfront and that’s a weak link in the chain.

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You're right, human judgment is always a variable, and that's precisely why the Bitcoin protocol minimises reliance on reputation for its fundamental security, focusing instead on cryptographic proof.
Speaking of uniformed and new users…. You think they will run lightning nodes and balance and manage channels? That’s also a lot of responsibility and a weak link in the chain
If they hop on something like Zeus They get the best of all 3 worlds Ecash Self custody lightning channels And on chain All in one easy to use app