It’s also a confusion of product and protocol prios. Protocol should be designed for the zero trust, highest stakes sovereign individual as a first class citizen. That’s what keeps things permissionless and decentralized, ensuring free market economic incentives. Holds true at the bitcoin layer and the LN layer.

If you’re designing product for low trust, zero stakes sovereign individuals otoh, good luck 😅 small, tough market! Much better to meet high trust, low stakes, large user cohorts where they are and provide a convenient abstraction over the raw protocol.