Honestly I don't get why we get into convoluted trusted solutions (trust the statechain entity bro, trust the federation bro) when Phoenix exists.

People will freak out at the onboarding fee without realizing how cheap it is compared to the cost of DIY (I'm talking "mental cost"). IMHO there are 3 factors that can explain this:

- people don't understand how LN works and are afraid of using Phoenix (vs custodial solutions)

- people don't care about self-custody

- people don't use Bitcoin as payment enough to see the point of Phoenix.