Well that’s the most thought out answer I’ve heard so far. So basically the only way Bitcoin works at scale is through custodians? Kinda goes against the Bitcoin ethos don’t it? At least your answer is based on reality of the tech and not some hand wavy, we”ll get to it in the future. 

I can see this reality happening because it’s already starting to emerge. Coinbase, Blackrock, hell even Microstrategy could spin off a BTC bank in the future, with lightning serving as rails between banks…

Not the future I want per se but I appreciate your honest answer 🤝