What's wrong with the LN wallets?
https://read.cash/@francis105d1/whats-wrong-with-the-ln-wallets-88013f82
If you don't make a penny why would you give your users premium features?
Centralization can occur because users are using only custodians for most of their activities, or because many users are just connecting to a single point and incentivizing others to join that same point either because they will collect fees or because they will save on fees.
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