Re-architecting our payments around non-custody is a slog, especially when you consider how numerous all our tiny payments in their varied contexts are, and the UX-inventions required, but it's liberating to think about where we'll end up. The great weight of liability is replaced by a protocol-reinforced foundation for less permissioned transactions in our micro-economy. SN becomes just a weird social economy for once and the money is unencumbered. We always knew we'd have to do something like this, but it feels like a reinvention and the wallet ecosystem is much more poised to handle it.

We'll definitely suffer from being Bring Your Own Wallet at first, and in some ways that we'll never fully fix (ie being a person's first lightning wallet if they don't have one), yet I think a borderless wallet experience will be super refreshing fully expressed.