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There's things like Nunchuk and Unchained and Liana doing collaborative things or inheritance backups. So perhaps, the subscription is for the added redundancy. Or something like Sigbash. I can see a lot of scenarios where a wallet can provide added value beyond their code.
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If it was that good then could it really be FOSS
if it were and it was then someone would fork it right?
So then you have wallet alla gatekeeper
Or have I got that wrong?