Just thought of silver lining if I'm trying to argue against myself. You are cooked... Maybe just for chainalays of your happy meal every day small payments and maybe that's a tradeoff that's worth making for an individual if they can remain private on L1 and keep them separate anyways.

Your steel man is a good counterpoint though. I cannot tell a lie.

Except you're explicitly going to link everything up on spark. Your bank, your wallets your credit card company all in the same place. How great! I can be psudonomous on-chain. You can be on spark as well sure, but the whole system is set up to be a global payments system. Once you're linking your bank account to your spark wallet (which is where this is headed) you are absolutely cooked.

Yea idk why people just forgot you can absolutely accept 0 confirmationation with like 99.99% assurance that once a txn is broadcast, it will come through eventually. (I wonder how many 9s it really is) Like as a merchant you can disctate a minimum on chain fee and accept 0 conf. That's an "instant" transaction as much as lightning is imho. If they paid standard fee, it'll settle before close of business day anyways...

Seems like a privacy nightmare.

Massive survalence and censorship implications.

Now just reply with "not your network, not your coins"

See what your ai says to that. Curious.