quoting nevent1q…pkrsTry sending even 10k USD worth of BTC over lightning, see what happens.
Any funds you have on lightning sit on a hot wallet, also. Do you want to keep a small fortune hot? I don't.
Did you catch that bug recently uncovered and silently fixed where channels could be drained up to 98% capacity? I guess you didn't. Fortunately it wasn't exploited.
Finally, if you are not online for awhile and have funds on lightning, your channel peer can steal your funds. That is why it is strongly suggested that you regularly open your wallet.
Also, to open a channel you need an onchain tx. Your utxo being used to open that channel is public knowledge, and your channel balance is public knowledge.
Don't forget your lightning peer knows your IP, and also, that in the most widely used non-custodial wallets, trampoline routing is in effect, which in practice means your lightning peer knows how much and to whom you are paying.
And then you have #monero which, you know, just works.
It's not Monero thaf's a shitcoin, it's you who's a bit ignorant :) Work on that ignorance and be a bit humble and you will see that both lightning and Monero are good tools in the good fight for financial privacy.
Sorry, not sure how to link this properly, but I answered someone else regarding LN vs Monero earlier.
As always, it's a matter of tradeoffs. I use both, and if merchants accepted both equally, I would end up defaulting to LN to up to about $1000 and anything else Monero.
It's not just about LN channel liquidity either, all LN wallets are hot, and I'm only comfortable holding so much in a hot wallet.
As Sowell used to say, there are no solutions, only tradeoffs.