If the ability to create a bank run doesn't exist, then Bitcoin will suffer the same fate as gold. Individuals at least need a lightning channel to a bank node to have permissionless access to control majority of their wealth. This will protect against large scale fractional reserve banking.  

 Agreed. Fractional reserved banking could be a death blow. 
I was & still am concerned about that with the ETF’s. Fractional holdings in reserves changing percentages could  significantly hurt BTC. 

 I fkn love that a few million hardcore plebs will have fat UTXOs and hold massive liquidity-power on the world’s monetary reserve Network. Our hoodies rubbing shoulders with the suits on some true GFY shit. 

 I wouldn't be so sure. To them, simply having us executed makes their bags more scarce and we no longer pose any threat. Consider this in your opsec planning. 

 Wise words 

 I wish they weren't 👀 

 Where is gigachad saying dis 

 The inter web. 

 Yes but Xitter or pod or what. He’s not saying it on Nostr unfortunately 

 🎯 

 I suppose it's ok if there are large settlements in bitcoin. I'll bet ya Saylor is saying that private individuals will gravitate to using Lightning once the bugs are gone.  

 This is the road we're traveling 

 Maybe.  Yes. And that’s fine. 
Generations from now things may be very different but this seems like the most likely road, for now (next 100+ years or so). 

 Saylor is talking about government central banks, not private banks. From the greater context of Finney's work and his other views I believe he was talking about a free banking system. 

These two views look alike on the surface, but are diametrically opposed at their core.  

 Saylor is alive & speaking in today’s world. Hal was pontificating about a possible future. 
They are not as opposed as it seems. 
Saylor has to be careful with his words. 

 Smart cookie this Finney fella.  

 Like Andreas he was pulled into a vortex of healthy insanity.
He devoured BTC. For some the light was too bright to ignore early on.  Smart for sure. Curiosity leads to brilliance. 

 I'm ok with it.. Individuals will still be using BTC. It's still there to use. So too will Bitcoin Lightning continue to mature. You could be using BTC/LN through apps like Strike or LightSpark too. If people understand their bank's digital cash can be frozen and that fact is stated in the contract you as a customer, sign with the bank, then, fine. There will be banks where it's stated they will have no power to freeze your funds. It'll be a competitive advantage. Of course, we can't have the two tiered Justice system. This has to be abolished along with the DemoRINO Marxist UniParty.