100%

layer 2 and above will be where fimancal institutions and corporations live and play

Only the Individuals that can afford to be sovereign and manage a well connect lightning node will do so

We are following the same path as the internet developed

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There are other L2s, don't be so sure

yep, but 90% of users will be onboarded thru a Corp like Facebook

They will use technology and services, they're already familiar