If you go offline for a week, you can't receive transactions for a week. Same with the cash wallet in my pocket. I have to take it out to receive transacti

If you go offline for a week, you can't receive transactions for a week. Same with the cash wallet in my pocket. I have to take it out to receive transactions. Not a problem for an individual. And for a merchant it is not a problem to have the wallet online all the time, or during business hours. you've invented a bank There are many differences. One is that the bank can see where you send money to. A LN node can't. But I think the better comparison when it comes to the LN is Visa, not a bank. And again, there are many differences. One is that Visa can reverse transactions. Making payments costly for vendors because of fraud. LN nodes can't.