The LN was meant to give the banks a few years to prepare and build their own instant payment apps so they won't suddenly turn outdated by a new competitive technology that came out of nowhere they couldn't predict and they can't keep up with. In a digital world a p2p money would have made them look suddenly extremely outdated especially in the eyes of gen Z who grew in a digital world. They succeeded.
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source https://www.reddit.com/r/btc/comments/9qmhhd/the_ln_was_meant_to_stall_development_and_give/
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