plus there'll probably emerge a plethora of banks (fedimints) so the market will decide on the responsible ones.
exciting time line for sure
Discussion
i think it's more likely that we will see something like a controller that has a core of Ark with channels over Lightning and the bank will be Bitcoin and everything else will be a clearinghouse of tier 1 or tier 2 (as in, lightning and ark respectively)
the internet takes out the latency and complexity of banking and it can become a lot simpler
i also think that the single unified lightning network of today will fracture into multiple independent networks, it doesn't have the capacity to scale that big and if it can hook into a bulk clearinghouse scheme like Ark it will be a network of networks
#afternoonthoughts
sensible thoughts.
agree on the unpredictable layering of tech. the white paper didn't specify a lightning layer, then a cashu layer, then a .... so your hypothesis is a totally valid one.