It's much more complicated than that, it's more easy that billions of llm agents know how to use a second layer wallet than dummy humans who cannot know or want to know about censorship resistant medium of exchanges.
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channel factories take time
spillman channels take time
lightning channels take time
ecash takes trust
agents don't have time or trust
where's the complexity here?
Monetary dynamics, it's useless to open trillions of state channels without monetary demand on a volatile asset as bitcoin demonstrate.