I've done that before but was not my idea originally. Locking to npubs is the future, IMHO.

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Makes sense for MITM thefts, but love the idea that the text is cash. Don't pass it to randoms!

Still, the text is the cash, but the cash is only usable by the pubkey that its blocked for 🤙

that makes it less cash-like imo, what if i want to redeem it without my pubkey? Or forward it to someone else without redeeming

Don't block it to a pubkey then, but if you want to make it public (like zaps) you would like to block it to a specific punkey