Someone hasn't used the Breez wallet or Phoenix.

As far as I'm aware, DeFi is a scam. A PayDay loan scam to screw people over. All smart contracts I've ever seen where scams. Either ICO scams, NFT scams, and all manner of things better done on an SQL database, and that includes RGB, that includes Taro, and that includes RSK.

What I will admit, is that I've seen other Bitcoin maxis encouraging custodial solutions. Wallet of Satoshi, Strike, and I'm not sure what to think about fedi mints some days (this isn't even lightning by the way its E-Cash on Bitcoin), but I believe that as for me and the people that I meet with and talk to, I will teach the non-custodial ways, and that will make the difference.

This is a very easy and useful tool for doing that. https://lightsats.com/