I don’t use a bank account, but I did experiment with various debit cards in the past months, including on trips to the U.S.

Coming from a Lightning background into Fintech, it’s shocking to see how bad user experiences can be in the “legacy” world of payments, how much interfaces differ, how many systems exist and how poorly they interface. Already today, despite all its shortcomings, I’d say the Lightning user experience is already better than that of debit cards, and will within two years surpass legacy networks in a way that’s obvious to everyone.