No one questions that the people who are bullish on BTC are in on it (some). The question is why would I pay you to lend me BTC when I actually want to send my BTC to someone. It literally adds a third party in what should be a p2p transaction. They replaced the "evil third parties" called banks with their own liquidity pool.

Funny how they figured out that you cant make money with money services if you remove the third party, so they added it back in.

On top of that there are countless other blockchains/DLT that have cheap transactions on the first layer. Cheap as in fractions of a cent. To compete with that you would need to lock your BTC for free but then you still have the on chain transaction that LN needs sometimes that cost way too much.