Translation:  You and franky1 would ideally like to incite a revolt by lying to people.  You're both doing everything you possibly can to convince people that off-chain is akin to the traditional fractional reserve banking system.  The only conceivable way the two things could ever be considered the same is if your bias is blinding you to reality.  Anyone who isn't harbouring your deep-seated hatred simply isn't going to see it how you do.

Developers understand the damage that would be caused if Lightning ever were to turn out to be the horror show that you and franky1 already attempt to portray it as.  They haven't poured countless hours of their time and effort into it just to make something that would fail.  The development will continue, the userbase will keep growing and none of your scaremongering will change that.