Almost like LN doesn't actually solve the scaling problem...

You can just use on-chain bitcoin with custodians too, an L2 isn't necessary. Just tell strike you want to pay somebody and they can update their spreadsheet.

Problem solved.

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I don't want 20k UTXOs so I prefer to receive on lightning, to my cashu wallet mind you, which isn't even possible to send to directly from on chain. Cashu is my cache before I move stuff to my node because Tor sucks most times.