It's always good to be configurable. And fun!
An opt-out is a bare minimum feature, perhaps not even for the reasons of “being boring and paranoid”, but someone that simply does not want to be paid on Nostr; given unnecessary tax obligations, or in the case of a Nostr user in a crypto-banned or sanctioned country… being put in harm's way without consent.
Lightning is opt-in, so this was never a problem before.
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The problem with public key cryptography is that anyone can lock money, in any chain, to your nsec. It doesnt even matter which curve we use as Nostr. Anyone can always send you any token or coin from any chain. There is not going to be any future where that doesn't happen. And in many cases, the sender can actually proove that you are the only one in control of those funds, like it or not.
Which means that you can't disallow people from sending you money in your key in the same way that you cannot block say Iran from dusting your UTXOs with tained coins that you are forbiden to have a relationship with.