The lightning network doesn't work at all and is known to be centralised anyway, it's only cheap because nobody is using it.

There isn't any point in the lightning network when the current financial system works better without people losing their life savings.

Mpesa, UPI and Pix work way better than whatever broken system the bitcoin / lightning network has.

There are many avenues to transact moneys. Crypto is one of them. It has a handful of really good use cases. I agree that there are often (usually?) better ways, but cryptographic blockchains that house value to the tune of billions of USD and never goes down or breaks is quite powerful and should be respected as such rather than being seen as purely inferior.

> nobody is using it

87M in liquidity on network, 15k active channels, mmmkay

https://1ml.com/