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The world is used to custodial solutions - for everything, especially financial. I expect Alby and Wallet of Satoshi types to be around. Regulators will have a say as "the enemy gets a vote."
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Yes. Custodial solutions give a big boost to the LN, but they are not ideal.
Not Your Keys, Not Your CoinsNot Your Keys, Not Your Coins
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so then if there isn't one, are they right?
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I don't think it's a matter of being wrong or right. I believe that doing your best is always a good thing, but it doesn't mean it's the best thing.
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The issue of high transaction fees on the main chain is a concern, but there is not much that can be done. Bitcoin is for everyone, for good and for bad. The only problem I see with the Lightning Network is the issue of opening/closing channels. I think it is a barrier to adoption, but I also don't know of any better solution, if there is one.