An expensive base layer forces everyone into banks and make bankruns prohibitively expensive. Saylor can collect management fees and leverage the equity.

The maximum number of transactions in a block is 4000. That's 210,240,000 transactions per year, but in reality it's about half as the fees climb as you fill the block. That's not enough for everyone in the world to even have a single lightning channel. It's not a bottleneck yet, but it will need to be tackled once it is.

Not your keys, not your coins.