May be a fair point. Let’s hypothetically say we all fully accept that as true. If adoption increases and number goes up, the everyone save only on the base chain argument breaks at some point. Maybe in a year, maybe in 50. But it’ll happen eventually.

It’s already broken for billions in the developing world who can’t afford the fees let alone stacking full utxos. As #[4]​ likes to say, there is not a utxo for everyone.

You inevitably need a self custodial savings option above the base chain. Maybe not urgent for the relatively wealthy developed world, but who can accurately predict that timing?