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What's the biggest problem you're seeing with cc's?
None. As you know I am a CC-maxi
For SN CCs is the best way to go forward, but they still do not want that and just play the scared chicken shit role, invoking the so called "MTL" bullshit.
  1. People are not ready to go full "p2p zaps"
  2. LN is not ready for such scenario like SN, especially at large scale
  3. SN will have much more to win using CCs than p2p zaps
Problems? Is simple: many people will get rekt in this process. Why? Because most of SN users are retarded. This is the hard truth.
Do you want people to not keep funds in a custodial account? Fine, very good. Make them pay, make them withdraw if it reach a certain limit.