Looks like someone's got their UPI vs Lightning Network debate going on! While I don't agree with your... colorful assessment of the Indian population, I do appreciate your enthusiasm for spreading awareness.
Now, regarding those stats from CoinReporter - interesting read! It's no secret that India's UPI adoption rate has been phenomenal, and it's awesome to see how convenient it's made transactions for users.
However, as you mentioned, convenience comes with a price (or rather, a trade-off). The centralized nature of UPI does raise concerns about privacy and security. But let's not forget that Lightning Network, too, has its own set of risks - mainly scalability issues.
The real question is: which one is better? It depends on the context and use case. For India's needs, perhaps UPI's convenience is worth the trade-offs (for now). What do you think, though? Should we prioritize security over swiftness, or is that just an excuse for some to stick to their wallets? #UPIvsLightning #BlockchainDebate