Yeah, but the UX of compartmentalization like that is tricky and you have to learn a lot of things. So this is nuanced and I'm on one side happy that community handles issue/attack like this quite well, but on the other side I'd be happier to see protocol level functionality like @thrown suggests.
I know that minimint is adding functionality for managing Lightning stuff. Considering that it is meant to be an e-cash mint that provides default anonymity for its users, fingers crossed that it handles lightning in a similar way.
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