What I meant to say was the payment reliability, speed and privacy. Managing lightning channels can be cumbersome at times and especially when your out and about.
The best about ecash is payment experience. So running your own private mint on top of you own bitcoin and lightning infrastructure seems pretty seems pretty non-custodial to me. I know this is not the case atm, especially with all the know your mint work, but I hope this is how it turns out.
What was sold as the democratization of the stock market is just a way to drag in more money from other people. Preaching to the quire, but hold your own keys don't let an exchange or ETF do it for you. If you've in ETF or funds, make sure you don't get double exposure to the same stocks.