IMO, this goes to show how much work there is to be done on ease of use for self-custodial Lightning wallets. The pain of setting them up exceeds the pain of being rugged.

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For sure, although I'm more talking about etfs and exchanges

I think it makes sense to keep an amount you're comfortable getting rugged in an app like alby, I'm perfectly fine risking $50 in there

Ah, right. Different level of pain entirely.