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You didn't get my point.

I am talking 100x from now.

Also, I am not talking about funding lightning channels.

I am talking about pre-coiner, normie savings plans.

And, yes of course they should keep their part of the signing keys in cold storage.

In a more humorous note: Why do you think a Spillman Channel is inappropriate if the system is truly trustless?

100x what? You haven't specified a unit

What is 1 Mio?

My point is a shared UTXO is an inappropriate savings plan. Especially one with a timeout clause! You need unadulterated self custody.

Don't know what you mean. Spillman channels are trustless (at least as far as the commonly understood meaning of the term).

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