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SNs got pressure from government regulators threatening that SNs custodying sats could be a problem so SNs put a lot of work in to enable us to use sats P2P by attaching LN wallets but for newbies or those not yet capable to attach wallets they created Cowboy Credits.
@DarthCoin is perfectly capable to attach LN wallets but he refuses to saying its not worth it and he doesn't want to waste his precious sats by participating in P2P BTC circular economy here on Stacker News- ie @DarthCoin is a blatant hypocrit and his claims to be living on the bitcoin standard are pure demonstrable bullshit.