Ok, I didn't read the whole thing on the alby one but waiting 14 days for your funds to return to you is a bit ridiculous isn't it?
I mean conventional banking only takes 3 to 5 days, so in the mean time onchain liquidity is frozen up waiting for lightning to resolve itself.
Personally, I enjoy on-chain.
Force-closes are extreme circumstances. and the HTLC has a lock to avoid scams. giving someone 2 weeks to see they were being cheated is a feature not a bug. in most cases the collaborative close is used and you get on chain funds as soon as the txn is confirmed. it would be much quicker if threat actors weren't a concern in the real world. having the entire financial record on chain at the rate cash or credit is used would need storage the size of a Colosseum to verify. keeping rapid transactions off chain for velocity and on chain for settlement is the best way to keep a system decentralized.
