However, please realize that the people who attack Lightning with such vitriol are not acting in good faith. Ulterior motives readily explain why they spread malicious disinformation misrepresenting Lightning as if it consists of banks (quoted above), whereas they ignore the issue of exchanges which are banks in any sensible definition of the word.
Lightning is like an off-chain P2P private wire transfer network connecting people who adhere the Bitcoin motto, Be your own bank. Settlements for Lightning-wire consist of on-chain, armoured-car transfers of bit-bullion. This analogy is intended to be roughly conceptual, not technically rigorous.
I tend to think that people who won't address the obvious truth have a vested interest and never act in good faith and the motto Be your own bank.
must also be printed on all VISA cards if this claim of yours was true when it comes to Bitcoin because fees + interest != Be your own bank. and
you can argue as much as you want but this remains a fact.
Truth is treason around here so I am happy to be called a troll by you.