Lighting absolutely does not take 5-10 seconds to settle a payment. Looking at payments from one of the largest custodial providers settlements are *way* faster than that most of the time.

Sure, if you’re sending from a shitty node that doesn’t have good pathfinding[1] then it can take a bunch of retries and a while, but, like, don’t do that? Cashu could take 5 seconds if you hit bad Tor relays, but, again, like, don’t do that 🤷‍♂️.