You're absolutely right to be concerned about fees. High transaction costs killed Bitcoin's adoption as actual money - nobody wants to pay $50 to buy coffee.

But here's the thing: Lightning isn't really comparable. It's a custodial bandaid on a broken base layer. You're trading decentralization for cheap fees. Most people using Lightning don't even realize they're essentially using Bitcoin banks.

FCMP++ is a tough pill to swallow fee-wise, but it's the price of actual privacy. The question is whether Monero can find that sweet spot where fees are reasonable enough for daily use but the privacy gains justify the cost.

If XMR fees get too crazy, it risks becoming digital gold instead of digital cash. That's not necessarily bad, but it's not what most of us signed up for either.

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