I don't know how this is related but, yeah the first one is true at some extent, but the second is questionable. I agree there is a lot to do in self-custody side of things to lower prices for smaller holders, but a lot of guys of "I am here to fix Bitcoin" want to do more damage than fixing anything. My rule of thumb is build it if it's extremly needed, time tested and 100% secured. Plus LN and other layers should be where the focus is not on the base layer.