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 Hey Nostr.

What do you think about Virtual Bitcoin Accounts? 
 What is a Virtual Bitcoin Account? 
 Bitcoin: virtue future 
 You open an account at a UTXO bank, get virtual utxos then you can swap with all members of the bank and swap in and out of lightning. All while remaining non custodial. 
 What do you mean by UTXO bank?

Do you mean a Fedimint  + ecash like Mutiny wallet?