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you may have this sorted out for yourself, but it's not clear to me why 'looking at lightning' explains why only rich people get to self-custody if we don't signal for BIP119 in Jan 2024
could you at least pretend to steelman the case for even the smallest amount of concern against introducing a protocol-level mechanism for controlling how coins can be spent?
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look at lightning right now, we have maybe 0.1% adoption of bitcoin and fees are so high that it is unusable to use a self-custodial without putting a few thousand dollars to get around chain fees and channel reserves