That makes sense.

Thanks for the clarity.

In general I don’t keep more of any non-onchain bitcoin in my apps/wallets than I feel comfortable walking around with in my pocket if I got robbed or lost my fiat wallet.

So I guess it’s less of a concern for me.

What is of concern is why do we need yet another layer (for lack of better word) on Bitcoin / Lightning?

Seems like for large transactions or ones I’m ok with waiting for confirmations, just send onchain.

If speed is important, use Lightning…