> All of these payment providers that are being built on top of Bitcoin are going to have the same regulations, restrictions, and problems as the payment provid

> All of these payment providers that are being built on top of Bitcoin are going to have the same regulations, restrictions, and problems as the payment providers that exist today. It creates a separation of concerns: If the layer 2 service providers you are using today become abusive/untrustworthy, it would be easy to switch to different ones.