I agree with this.

Its super easy to explain that this tech does not work via credit, its like a full reserve bank account.

Acinq needs to pre allocate funds for you to be able to receive payments and they can't do creative accounting, so there is a natural cost and bringing those costs down requires learning the tech in more depth, so where do you want to start?

At the end of the day, bitcoin is a hard money, there are no free lunches and it's a small cost to get started.

@nevent1qqs...