Xapo Bank is the antihesis of Bitcoin.

Instead of putting energy into building better self-custodial solutionsand UX with emergency backups like Muun (local) or nostr:npub1xnf02f60r9v0e5kty33a404dm79zr7z2eepyrk5gsq3m7pwvsz2sazlpr5 (cloud) for Lightning have done, they're replicating traditional banks with #KYC AND you have to pay to use it.