Okay what about this.

Users decide what wallets they want to fund.

Wallet devs can fund libraries that make life easier for them, and for their users indirectly.

Did we reinvent zap splits? Yes! Do people feel better about OpenSats than to do this? Yes!

For people that want to outsource this shit, I’m thinking of something. People can set up their own funds, pay with onchain (you’ll see why, but LN is also possible), anyone can donate, public record of amounts and similar exist, and funds get sent back with timelock if not spent.