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So many lightning companies are getting rekt right now by compliance, I know first hand. I think rug risk is up a LOT right now. If you just keep a balance in a custodial wallet, for zapping, keep it to an absolute minimum and be ready to truly lose it. If you have more than you want to lose, but not enough to justify on chain fees, consider swapping them for L-BTC on boltz.exchange Imho

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The hard lesson that doing business in socialist US is not only painful, but probably destructive to your business. The next century is looking more and more as if it will be written in another place. The US is choosing war with BTC and will not likely win that war.