Also the skills are split such that you can build a lightning wallet, a cashu wallet OR an on-chain wallet

For example, a solo lightning wallet uses cashu mints to generate invoices and is the custodian for the balance, but doesn’t generate tokens (unless the user asks for it in the prompt)

Cashu wallets however require a Lightning implementation (the SKILL stipulates this)

And on-chain isn’t dependent on either

The SKILLs are implemented for users to choose their own adventure