Thank you very much but the protocol is just fine the way it is (normal maintenance and security improvements excluded).

Bitcoin is for significant amounts.
L2 is for fairly meaningful amounts 
L3 is for spending accounts.

I don't need to put pitty cash in a Fort-Knox-like security.
#Bitcoin #Lightning 

 Short sighted view. In order for Bitcoin to support more sovereign users it will require a variety of protocol improvements.

Otherwise mass adoption will mean most people only hold IOUs with trusted third parties. 

 Disagree