Why does lightning need to use a single 2-sig payment channel? Couldn't two addresses be used where both parties hold a copy of both keys, then either party can add more uxtos to their "side" without a special transaction including the htcl/ptlc contract? Im speculating here.

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One party can then steal the funds. Both need to have the possibility to shift funds, but not everything unilaterally.

Both parties can steal the funds with the existing lightning channel, its only prevented by a threat of a punishing transaction