Today, bitcoin (BTC) is prized for its rarity. It cannot be faked, debased, or even magnified through fractional reserve banking. The lightning network technology (LN) built on top of it promises free secure transactions, but liquidity can only be provided with BTC. That same precious, unmagnified commodity.
To forego owning BTC today not only means losing out on any value gains, but also a subordinate posture in the future if LN takes hold. For ordinary people, it means you cannot be your own bank. And for banks, well, it means that too.
Something to think about.