I don't understand what you are trying to say here. You don't need "consent" if you want to wait the 3 days, but if you get "consent" from your counterparty you can get it instantly. 3-days is about as fast as ACH. But if you want, you can feel free to open channels with shorter locktimes if needed.

>Or lost 90%. We had this in the era of free banking, i.e. pre Federal Reserve. That history is one Bitcoin is presently replaying.

But you can't lose money if LN is working correctly. The whole idea is that you sign the transactions saying "if this is broadcast under these conditions, you get all of my money" when you open the channel. It's literally not possible to fractionally lend on LN, because all money MUST be there, and signed, for you to use it.

I've had conversations with you before, and I'm fairly sure you don't understand the basics of Bitcoin as you keep repeating these things as fact, so I'm going to stop replying here. Please make an effort to understand it before you start denouncing it. Or at least explain why you think these apply to the conversation in ways that someone like myself who isn't well-versed in traditional banking systems but understands Bitcoin technically will understand.

Is it really true that you can get easily the money out of your checking account if your bank declines to give it to you? In a traditional bank account, it is possible to place a hold on an account for various reasons, mostly when compelled by the government.