The moral of the story is that despite the problems and complexity of lightning for the home user, Lightning Network is perfect for use by central banks or even to replace them.
Lightning Network is the best money settlement layer currently available.
nostr:note1adtgrlva0m4m3gnn42yyhpgm0nlrxzanfn4800d0vtyjlqnkk9qsywefam
Each lightning node is already a potential private bank if you add Lndhub or Lnbits to it⚡️🚀
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Funny that this is exactly what bcashers said about LN.