I wish people would use as many non-custodial wallets as possible. But I think that if a large number of people use bitcoin while not changing the first layer, most people won't be able to use it economically. At the same time, it's quite complicated for people to distinguish between lightning and onchain.
So I expect that over time people will commonly use lightning exclusively. To use non-custodial wallets like Phoenix, Blixt, Bitkit, Breeze the user has to do at least one onchain transaction anyway, which may be a problem in the future too.
So here is the proposal:
1. Build aggregator of LNbits instances.
- Tracking liquidity, service uptime, payment success rate, applied fees, and so on.
- Maybe even build some index on top of that..
2. Build wallet that operates with more custodial nodes at the same time
- Node operatos can still steal your funds
- But we could play with the incentives so it wouldn’t be beneficial to rug-pull users
- There could be automatic migrations (bunk runs) based on above mentioned conditions
- User doesn’t need to care about anything of that
What do you think?