Scaling 100% off-chain runs in stark contrast to the underlying principles of an open and permissionless system. Users won't stand for it and won't allow it to happen.
Hmmm, the only off-chain system currently proposed is permissionless. So, WTF are you talking about? Oh yes, that's right, you're talking about incredibly subtle anti-Bitcoin propaganda, like you always do.
Do you think that if you repeat "Lightning is Banking 2.0" a million times, it will magically become the truth?
here goes CB failing to grasp the basics of multisig..
if you need someone else to sign a transaction.. say hello to 'permission'
also
if you need a hopper to agree to be part of a payment.. say hello to 'permission'
meaning its no longer permissionless.
lastly due to the costs of 'hops' vs 'hubs' it will naturally turn into people saving funds by using hubs.
oh and CB, please learn CLTV maturity (resembles 3-5 business day delay for end user experience)
oh and CB, please learn CSV revoke (resembles chargebacks for end user experience)