I don't know where you became so confused along the way, but every custodial bitcoin scaling solution is banking. doesn't matter if it's a fedimint or a centralized sidechain stapled to a lightning dex. those are all custodial and they are banking. you are cheerleading for people to put bitcoins into a bank account where they can be stolen or frozen. grandma does in fact need her own channels, or it's not her money. you support banking.