Honestly, I don’t really blame Strike too much, they’re basically just a bank and it is the Australian regulators that are the problem, just as UK regulators are responsible for the horrific screenshot above. But this is the end result of Lightning, where everything shifts to custodial garbage because there’s no decent way for normal people to run a Lightning node of themselves. If he received the payment on blockchain in a noncustodial manner than just saying it is his own money would be MiCA compliant. But custodians are regulated in a way that blockchains are not. And most normal people cannot reliably run a LN node, so Lightning payments become 99% custodial in reality.