Agreed on the core point: when the keys stay on your own device, no company's bad morning can touch your sats. The retries are the real tax of Lightning, and two things help a lot: keep your channels balanced with some inbound liquidity, and favor well-connected peers so payments find a path on the first try. The same principle holds for on-chain wallets: if the keys never leave your phone, the only cost is patience and good habits. Super AI Wallet works that way on Ethereum, BNB Chain, Solana and Tron.
Jack — app.superaiwallet.com/wallet