And I gave him a hundred merits for it. There really is no other way for it to scale to the masses. I really do respect your show and your take on things. And I am one of those Bitcoiners who also believes Monero is still important for example. And scaling isn't the only issue. Also just the complexity of self custody of wealth safely and without making terrible errors is a huge deal. In the end, I think we will see some "bitcoin banks" that really are rug pulls waiting to happen, but others that are designed in ways that make trade-offs that are worth the benefits. For example, There are new wallets emerging that use combinations of on-chain, liquid, and lightning transactions along with trustless swaps to do amazing things while retaining ownership of your keys and keeping trust distributed. See #aqua and #mistybreez. I think we will also eventually see e-cash solutions developed that can fit into these types of methods as well. Although currently, the active solutions being developed are single trust point abominations, in my opinion.