Wen first eCash bank? I don't want tether or a CBDC. I want something that has the privacy and ease of transaction as cash that is backed by Sats.

Not everyone is going to run a lightning node so they can buy a cup of coffee. With eCash banks we wouldn't have to scale lightning to infinity just so we wouldn't crash channels during a black Friday sale.

People aren't going to be their own bank. The average Joe having a spendable UTXO in the future is a pipedream. Things are moving faster than anyone ever imagined and we need to start thinking about scale.