> The lightning network seems to be heading toward centralization, then what it the point? Is the delta of Credit card transaction fees with lnd fees that big t

> The lightning network seems to be heading toward centralization, then what it the point? Is the delta of Credit card transaction fees with lnd fees that big that it warrants it? especially if credit card fees drop with time. There is a massive difference between temporary centralization for convenience vs. fundamental centralization. See email. Gmail basically has the entire market, but that is a world of difference from email being a proprietary private Google protocol. People can switch at any time. If a provider misbehaves they can be abandoned. The users have the power. The same holds for complaints against coinbase, the internet in general, etc.