I like Lightning as a concept. However, I hate what Alby has done with it in terms of the hub and channels. It could be easily fixed if they would just leave an open channel alone with something like a six month time limit. Instead, they force close in two weeks. All the extra complication being added is not going to help adoption--nor is adding layers of "extra expense" with random time limit imposition. Same thing is true here at stacker, in the sense that adding a wallet for receiving and sending is now more of a headache--not to mention the cowboy credits which both exist and do not at once.