Free market should decide that. I have no qualms with my local bank standing its own BTC node that they own and doing LN on them in addition to all services it already provide (fiat, cdbc, paper investment) Let people decide which they want to use. I have a feeling tho if they do that that would be zero interest in cdbc anymore. But in principle that makes sense. Heck, if Saylor's company gets "money license" (whatever that is these days) he can vouch for 158K bitcoins and get fees from LN transfers. That would definitely legitimize BTC and reach the masses when you go to your bank and they ask BTC or cdbc? You know the answer to that though, so you know it will be a hard sell for them