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I read a lot of finger pointing and blaming others but very little introspection. TLDR we are a way off users being able to mass adopt.

OP by their own admission runs an Umbrel and is a Linux user. By default, this is an advanced user, deep down the rabbit hole and with the tools needed to enjoy bitcoin to its fullest (lightning + lightning address).

The reality is, though, that this is hard to set up and nothing that someone today is used to when they compare to their current financial setup: open bank account (because they want and need one), then download app and log in. Often this is the same process, now.

Custodial services can replicate this, and hence dominate (Cash App, Coinbase, Strike), but non-custodial still presents many UX hurdles.

Increasingly, with time, I am observing that a lot of this responsibility sits with developers’ choices of what they expose to the user and the language they use to describe what is happening. It’s technically bamboozling to someone trying to adopt.

And that’s before we get into Lightning liquidity and whether or not to use Cashu, Spark or Ark to mitigate the downsides.