Wait, why would your life savings be on LN?

Unless you're in the 3rd world it seems like you meant sometimes the Bitcoin you are stacking takes longer to move to cold storage due to fees?

You could just wait to stack until you have enough funds &/or fees come down & then buy + transfer to cold storage in one motion.

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When Bitcoin scales to a billion people, transacting on L1 is going to become very expensive. Bitcoin has always had a scaling problem. That was the point of the blocksize wars. Lightning helps a lot, but I don’t think it’s the best long term option for scaling if the majority of people cannot afford L1.

When Bitcoin is being used by 1B people the ecosystem you're operating in will look different.

I'm more worried about the next 1M Bitcoiners promoting good tools that support Open Source collaboration.

> the ecosystem you're operating in will look different.

this gets at the original question, but then doesn't answer it. how will it be different?

we *should* be skeptical of Bitcoin related tech. we *should* verify our understanding and dive into the details. we *should* ask the "obvious" questions and and it seems reasonable to expect more than handwaving from the community.