Everything in fiat is KYC and custodial and the app or banks will know who is sending money to whom.
I don't see the relevance to the point I made about privacy concerns with custodial lightning wallets though.
Discussion
I do want a future where Bitcoin payments are like real cash .. no KYC , no tracking ..
But in reality , the society is getting cashless at a much faster clip than acceptance of Bitcoin as a medium of exchange .. that is a simple truth ..
Such being the case , fussing over custodial lightning wallets - which are like 1000 x better than a predatory credit card .. seems like 😕