I have no reason to have it, because lightning is already enough

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Lightning's channel balances seems problematic to me.

Lovely UX - I have used it IRL and bought a shirt with it, but it will end up being a Bitcoin Bank soon.

What do you mean it will be a bank?

It will centralize to only those who can fund channels for big transit of transactions.

Running a node or "channels for people" by the average person will be harder unless you have a big capital (which will slowly be eaten up).

All round the idea sucks.

If lightning only works in a centralized way, that's going to suck.