Doesn't have to be "on chain".
The ability to use Bitcoin via on-chain, self-custodial lightning, or even via hosted lightning model is the ultimate power.
It provides room for people who are skept...
Lightning and e-cash doesn't pay (enough) for network security. Big players may even have unpublished zero-conf channels and pay nothing. The argument that on-chain fees will be so high in the future doesn't convince me. People will choose cheaper ways for payments and the network will get insecure and useless.
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