Yes, the future is already here, but many people are still not aware of it.!?

> LN address would be like a "bank account", so people can easily send you money there.

What do you feel is currently missing such that this isn’t the case?

> LN address would be like a public mail, so people can easily send you messages there, and at least is pay to spam.

I think this is kind of exactly what it does? Minimum amount to send, comments allowed, etc? No free messages 

WeAreAllSatoshi

hot wallet: your literal wallet funds, nothing you wouldn't keep in your back pocket.

self-custodial lightning wallet: checking account.

cold storage hardware wallet: savings account.

multi-sig account: additional retirement fund 

nuII

Isn't that the beauty of separating things in public and private? 

You choose what to show in the public eye, otherwise would come with consequences.

https://imgprxy.stacker.news/tvR9JrkjYUdoKkeu8MZOo_4JKSNcs9BRyd3tVVg3Zmc/rs:fit:600:500:0/g:no/aHR0cHM6Ly9pLnBvc3RpbWcuY2MvUjBrTlZXaloveW9kYS5qcGc