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I mean they absolutely should set up lightning, but at this point wouldn't they need tonuse the currently congested network in order to get them off-chain anyways?
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Yes they would but they could create Wumbo channels with a payjoin and create multiple channels at once, pay the fees and then start routing to recoup that channel open cost
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Imagine opting to lock up user funds rather than run an LN node, how pathetic must you be?