I agree completely. Is it the "perfect" solution for everyone for every amount? Maybe not but it's a useful tool that Boltz is making available today for different income-levels.

Bitcoin is supposed to be freedom money for everyone... but the current model is ossifying very very fast and 90% of the Bitcoin will wind up in the hands of the elite and the institutions (serious stackers + Blockrock and fidelity) if practical solutions aren't developed soon that work.

Bitcoiners don't want to admit this but it's true.