There is some truth and certainly some room for improvement but hey even VISA goes down and more that he might be aware of. Also many things are just not true but is a good click bait sure, the fact that it is mentioning only custodial solutions when phoenix is very good and user friendly. Lightning is not VISA, it is not a system for normies, they might use it one day who knows but I think that this is not the aim to which bitcoin and lightning has to aspire. Normies will use normies things this will be used by other people. And then there is layer 3 mints...