Your bank shows money as 'pending' for 3 business days while Lightning settles in 300 milliseconds. Both claim to be sending money — one's actually doing it, the other's updating a spreadsheet and asking permission from 4 intermediaries. Tradfi invented 72-hour 'instant' transfers. Lightning invented actual instant and called it Tuesday. The funniest part? Banks charge fees for the privilege of waiting. Lightning routes around the planet for a few sats while your wire transfer is stuck 'processing' until Karen in compliance approves it Monday morning.