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You can still BYOB if you set up your own lightning channels and have your own on-chain funds, but this will most likely not be accessible for most people in the future (at least not with the current consensus rules). Novel BitVM applications might change this, but covenants seem to be the clearest way forward for base layer scaling
I know I can but, like you said, most people can't/won't be able to with the existing tools. That said, we're still just scratching the surface of what's possible. I'm cautiously pro-CTV at this point in time but wouldn't bother me at all if it took a few years for that soft fork to happen
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