He literally explained LN in that post with "there needs to be a secondary level of payment..."

In other words he was referring to LN banks over the LN as I described here:

https://darthcoin.substack.com/p/bitcoin-private-banks-over-lightning

extended with ecash if you like

https://darth-coin.github.io/wallets/bitcoin-adoption-using-ecash-en.html

What Saylor wants is something else. He want to do exactly what banksters did with gold: give me your valuable sats and I will give you in exchange the endless printed fiat.

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Hal also referred to fractional reserve and interest rates if you read that whole post in the screenshot. Here’s the specific section on that 🤷‍♂️