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this discussion is great, which is why i posted this as an unpopular opinion.
paypal is centralized and closed (cannot run your own paypal instance)
lightning is centralizing but open
the difference of open vs closed allows centralizing systems to have the ability to decentralize.
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I disagree, particularly because of network effects. So even if you have a centralized system kicking people off like paypal it takes a long time for a competitor if ever to get as big and useful for the people who getting kicked off.