100%, Bolt 12 is the answer. LNURL is a stopgap that does a lot of cool things while also encouraging custodial solutions.

I think Lightning Labs is a big stumbling block here. They seen to be prioritizing a "stable" coin usecase that could very well be obsolete when they get it into production.

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If we had BOLT 12 as we should have ages ago, most of the issues with Zaps would be a moot point as it would be far easier to do things the right way.