I feel and agree with this pain. My only difference in thinking is that I'm hopeful that solutions will be found in the future to make Lightning easier for the average person to be using their funds in a non-custodial way.
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Oh you want to receive 50,000 sats?
My lsp will open a channel to you!
The fee will be 100,000 sats because mempool is full.
😭😭
I have had the same hope for many years now but we don't feel any closer