Agreed. SIGHASH_NOINPUT has a clear use case, but got mired in the fact that it opens covenants. None of these proposals offer compelling use cases (ie beyond, basically, refining lightning) because they are all incremental. They cater to users who *don't want to* use a UTXO, not those who *can't afford to*. And that's likely to be a narrow band of users, in the long term. The only protocol I can conceive of which *does* give something to sub-UTXO users is a group structure where all the funds can be burned if any user proves the coordinator misbehaved (Christian Decker named this a "Nero protocol", which I like). But proving every kind of misbehavior, including failure to respond, is a very big, maybe impossible, ask. TBH, I haven't tried...