I agree there are good arguments to avoid getting into debt, I just don’t think “I have to persuade the lender to buy bitcoin instead of lending fiat” is a good argument. 

 I don’t have any insider info, but it seems like they had to outsource deposit/withdrawal functionality to a third-party due to regulations, and it seems like that third-party happens to not support Lightning. I don’t know if the lack of support is for regulatory reasons or just not a business priority. 

 I have no concrete knowledge but that seems to be implied based on public information 

 Ok, censor a transaction 

 You said it’s not censorship resistant, can you point to a txid that is currently being censored? 

 The metaphor is incorrect, because if a txid is censored, it just sits there in the mempool. Bitcoin is not destroyed, it’s not over, the transactor can simply CPFP/RBF until greedy miners defect. 

 Censorship resistance is a dynamic, anti-fragile process, not a static feature. If there is censorship, people will pay higher fees to overcome it. 

 I’m not good at price predictions 😂.

Game theory seems to be that censors won’t bother because the fee to overcome would be relatively low. 

 Might just take longer to accumulate censored transactions in the mempool 

 There’s a lot of hypothetical problems to be solved 

 Transactions being censored is a hypothetical problem. 

Mining can’t be monopolized, it’s the most competitive industry in the world.

Anyone can fabricate arbitrary centralization metrics and declare a hypothetical of theoretical censorship-resistance, for example 100% of hashrate is on planet Earth. 

 If you’re right they’ll get attacked, and if I’m right they will decentralize in response to that attack. That’s what I mean by anti-fragility of censorship resistance.

You’re welcome to pour resources into pre-emptively tilting at windmills, but I have to pushback when someone claims that Bitcoin is not censorship resistant when they have no censored transactions as evidence. 

 Your claim was “Until further notice, Bitcoin is NOT censorship resistant.” I think you’ve appropriately backed off that claim to a more nuanced “there’s a risk of Bitcoin maybe not being censorship resistant in the future”