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We can have the best of both worlds. However, I feel the lightning experience is so magical in custodial and semi-custodial setting that it can discourage the diligence required to maintain a node. If users can set thresholds like you, it's OK.
It is similar to how cheap fast food discourages cooking at home. You can eat out once in a while but you should cook almost daily at home.
Good analogy. And it is magical when you get money from someone in seconds with almost no fees.
In the case of easy to use lightning wallets there may be a natural cap in that they are hot wallets and those hot wallets will become targets if they get too big a balance.
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