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I think this is more so speaking to the fact that as protocol layers progress, the outer layer will be custodial/centralized until a layer absorbs the use case.
For now, a Stacker News style UX is easiest to describe custodially but I highly doubt that'll be the case in the future. I'll be exploring non-custodial solutions later this year and should have a better idea of how close we are realizing this.
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On stacker.news sats change hands between hundreds of users every day and it doesent touch the protocol until someone withdraws so LN is a settlement layer too :)