fiat incentives drive the aversion to saving

that was a key element of Keynes system that all modern governments and banks run on

it simply does not apply to bitcoin

i am happy to tie up quite an amount of my surplus funds that i will use in future to make payments

it's not a black and white thing, and you'd know this if you actually used it

the only hard part of it is some channel partners are shit, and they cost you force closes, that is like, 1% cost, at worst, the whole thing is your funds are liquid, you can drain all your channels out in minutes if you need to pay something big out of your channel liquidity

and when you have money again, you can atomic swap it back in and done

"tying money up" in stake is not the same thing as opening channels

you can spend your balance down on the channel as soon as it is open