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Allow me to c/p from a similar question someone else asked:
Backups and security. I wish we wouldn't have to worry about them as much. If I could choose anything, even unrealistic things, I would want the Lightning network to be as simple as on-chain: Backup your keys properly and you'll be ok.
I think we're on a good path with Eltoo (which eliminates huge parts of the headache that backups cause today) and things like the Blockstream's Greenlight and VLS.
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What worries you about the lightning network?