So many people hated the lightning network, the idea of it. The off-chain-ness of it.

But, from the people that use it, they have all had good experiences. Far better than CCs. Far easier to use, set up, and actually see the transaction for both sides.

I cannot fault you for stacking gold and silver.
They are the closest thing to real money at this time. Sorta. (stupid COMEX)

But, i will advice you to sell off your gold when it goes way high. It will be phased out as "money" and then it becomes really easy to get. Just put a portable machine in the ocean, and you get what you need to make a necklace, kind of easy to get.

But, but, at that time, it will be more apparent about which cryptos will be winners, and which will just disappear.