You are wrong. Is not even necessary for every user to have a channel. We already have many solutions.
What solution grants every user access whilst retaining custody? Trusting a custodian is not a valid answer.
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Why do you think we are "early adopters"? Just to stack sats doing nothing? Be prepared, learn more, prepare solutions for your friends and family, be their bank. It is nothing wrong to be a private LN bank for them. Read:
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