Completely agree with this, it makes sense for bitcoin to continue to scale in layers.

None of us are using Fedwire to send transactions of a small denomination. We have:

And so on. Bitcoin having many layers built on top of a strong base layer is where it’s headed. Some of us will choose self custody, others will run everything on strike or a similar company for convenience. The second one of these companies plays fiat games, unfortunately some folks will go down along with the company.