I don't get the dunking on Lightning when it's the most rapidly evolving payments protocol with minimal trade-offs and pretty much the only thing people actually use in the real world, besides tether (which should be on RGB)

What we need is better UX. Phoenix is getting there. Phoenix wallet with the option of holding a stable fiat balance using DLCFDs and integrated P2P ramps (Civ Kit) is the killer app for 3 billion people.