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Either way if you don't want to be on an island, you don't make "your own hardfork". You need consensus on what that hard fork will be.
But a hard fork is not the only solution. You can position for doublespending your coin as long as there is a split chaintip. Every sat that is valid on both chaintips you can spend to a 1-byte-too-large OP_RETURN (must be a scriptPubKey solution.) Or funnier, you can orchestrate a massive coinjoin on their tip with a single doublespent utxo in the history and then all the involved coins will be doublespendable.
Doublespend as a service, anyone? You pay my coordinator 10k sats, I coinjoin you in with my unspendable utxo on mainchain and woop, now you have mutually incompatible sats on both chaintips as insurance for a rollback. And this is just a basic mitigation.
If Luke & co thought that they can fa without the fo... lmao
Yeah, I agree that that "Caution" pop up is inappropriately worded.
If such is his position (and I think it's as good an interpretation as any) I still think it's not being entirely honest to say that people must counterfork...indeed, to flash a warning that if you don't counterfork or else you will be "insecure." That just sounds like trying to scare people into doing what you want them to do.