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"no real technical hurdle to overcome"

Uh, this kind of route finding is still an open problem, and there's not even an idea of how to address it.

Approximations don't scale, as routes will start failing more and more as the network grows(due to liquidity issues). Therefore routes will go through well-connected and well-funded nodes, which is the centralizing force you're looking for.



Even if there were only as many nodes as there are countries in the world, that would make a more open payment network than the credit card systems.

There are 195 countries in the world. And a user could pay via any of those 195 nodes.

When you accept a certain credit card type (Visa, Mastercard etc) only users who are customers of that company can pay you.


The comparison should be with cryptocurrencies, which problems LN was supposed to solve, not the credit card companies.




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