let me help you understand what is going to happen. you think you are normalizing p2p credit for Alice and Bob and Carol who are like normal people or small hawala brokers. but that's not what's going to happen. yes there will be credit network emerging to solve the liquidity issues with lightning and ecash mints and other custodians will start using it for their transfers and "settlements". that's what happened every time before and that's what is going to happen again on this path where we don't scale bitcoin without trust. and when that happens, the bitcoin in these credit networks will quickly far exceed the total on-chain supply. which will absolutely obliterate long term NgU as new demand will meet new paper claims, which will make bitcoin completely pointless as it adds no value whatsoever to the world anymore and not even for those who self custody.