The lightning network provides instant settlement, onchain doesn't. If you want everything for free you have to self host which costs time.
They develop a insanely good app and provide all the infrastructure and lend you bitcoin as liquidity. IMO the price is more than fine considering the hidden costs of credit cards.
UTXO snapshots: (one in the description, and one for block 800,000 in my review): https://github.com/bitcoin/bitcoin/pull/27596
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Do sth cool at least

Considering they got no security updates for the last 10 years probably relatively unsafe?
Anybody wants a Pocket Lightning Beta invite code?
Boggles my mind that most commerce and important conversations in the economy happen completely unencrypted over E-Mail๐ต
Not possible to determine the hosting provider but the rough amount of Tour nodes with public channels should be possible and would be interesting to compare
Is there a chart with Tor nodes included?
Looking forward to open source cars, or at least the software
This browser add-on makes it somewhat bearable:

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