In a future where base layer bitcoin becomes out of the average persons reach I fear this will become the default bitcoin experience. How do we avoid the banking system 2.0? Perhaps inflating the money supply has been solved but we are straying away from self sovereign permissionless money.

Yeah a lot of people have mentioned the lock up period (which, as I understand it, is just a low cost defense against bank reversals) as a frustration, but it was never really a point I cared about because I had been doing auto stack and withdrawal from the outset. I was always using them for long term savings so that never really made any difference, it was just going to my cold storage basically once a month. Also Swan has 1 “n” in the company, my name has the double. No relation.