[pavlov]

> I think the same is true with Bitcoin: traditional banking that takes days and charges high fees can be easily implemented on Bitcoin, but the opposite is not true.

"Easily" here seems like major exaggeration. If that were true, projects like Lightning wouldn't exist.

[rrecuero]

This was true at different moments in time. Now, as you mentioned you would need to use lightning. You could do it with LTC right now

[xkarga00]

Once LN is established, I expect that this is going to be opaque for an end user. Example: Today, you don't need to specify http:// in order to use it in a browser.