crypto is to confusing, its not systematik,

you have to create a multilayered financial system for an ecomenopolis, not a market that is annoying confusing.

the population has to support that financial infrastructure for good reasons. not because someone is a nice guy, or the index depicts a certain coin far on top

you can chance the banking computer systems.
you can change their data base for a crypto that limited to x coins

but a bank would simply create bank altcoin that represent different bonds and different asset classes and things end up as the same thing.

just look at bitcoin. the bankers are already trying to say everyone into thinking blockchains cant scale and the only move forward is to lock funds up and use non blockchain bank-esq business models

LN is to crypto, what banks gold promissory notes were to the 18th century shift from gold to paper money
(LN flaw channel partners not always alive/awake/online.. solution. have a HQ watchtower factory to manage channels where they get final signoff on all broadcasts to unlock the vaults)

look folks its quite easy why dont we just replace the national/racist/communist banks with something useful that is somehow cooperating, like a network of engineering foundations that is global nonracist noncommunist, and engages in its local infrastructure.

all use the same logo for the currency and all use a standardised evaluation system

meaning you simply dont pay more token for a good of x value

there is already 2000 coins who try to want to replace some other system.
replacing a system is just upgrading the old system, but not solving the problem.

banks are "cooperative" they have layers of foundations. and at the bottom later engaging in local infrastructure.

now wash all your buzzwords away and use common speak to describe what you would actually want. as it seems right now your just trying to throw out as many buzzwords as you can to make a sentance but not actually getting out a design plan of a network you want to see.

again you seem to be trying to advertise LN.

a separate network that allows multiple coins to use that network all under one brand...
but without it being a blockchain itself there are many issues:

1. nodes need to be more than just channel managers. by also running a full node to monitor the vaulted coins movements onchain
2. with so many coins being allowed nodes end up having to monitor multiple chains. to then play off-chain
3. in a non blockchain payment system there is no byzantine generals solution
4. this makes way for master factory nodes to monitor the different chains and they become the watchtowers that get final signoff so that people dont have to self monitor everything and just become litewallet users that trust the watchtower factory

and now we are back to the 18th-19th century era of banking

if your now going to revise your concept. to be less LN and more separate chains that sidechain directly together. there still ends up with needing master nodes to monitor the ins and outs of both sides.
by which. if these master nodes need to monitor both sides. why have both sides. you might aswell just have 1 side with double capacity blocks

This kind of change will require mass consensus on a global level. Otherwise nothing is going to happen in the current banking system. However, Banks are slowly understanding that blockchain is the future and slowly started to apply for patents around blockchain technology for banks.

Now I would like to understand what you mean by "bitcoin and crypto with all its mistakes"?

Today's economy and banking system thrives under strict centralization. Decentralizing the entire architecture would cost a fortune for the banks which is essentially public money. The way banking system is deeply rooted within our society and economy, it will bring a disaster if we want to replace it. Slow change and adoption will be able to reach that stage but it is again a time consuming process! Probably our next to next generation will see something drastically different and better, but not us!

bitcoins main issues are:

1. its wasting electricity
2. its anti organic
3. its not reliable

i think there is a better opportunity.

i recommend, a different system than banks, based on people intereacting and managing their economic enviornment,

like engineering foundations we then get an efficiency and success delivering infrastructure, instead of gaylords in banks,

they should all use the same logo for their currency, and all interact with their environment and reward people for maintain generativity of their economy, also guide that economy,

the currency issued this way is the

generative socio economic source, i am pioneering in this area.

its much better than banks, its not passive, its active, and its not sectoring the world into communist regions or worse nations etc.

they can theoretically create as much money as they want, but they should run an accounting system, oriented on organic calories, like for example 0.5 entities per kg of flour or 4000 kalories, then there is a reliable measurement, how the money is being spend and the most secure business is not bitcoin mining but producing these organic calories, since they are the base measurement.

generative socio economic source:

check my website. i could use help morphing/replacing current gambling financial institutions into with their environment operating ones.

there already is a capitalist/aristocratic systems.
they are called banks

you say bitcoin was not made for a civilisation but for a market.
im sorry to inform you but bitcoins 2009-2013 ethos was for a civilisation, where socialist/libertarian groups wanted something that was different than the capitalist/aristocratic banks.

yet 2013+ bitcoin lost its socialist/libertarian civilisation ideologies and and became the capitalist market mindset

asking for a capitalist/aristocratic thing is exactly what your getting with bitcoin. recently. and guess what, its not making bitcoin better. its slowed things down. by being "conservative" (delaying innovation) and twisting bitcoin by telling the public that blockchains dont work and that the only options are locked up funds in co-signed addresses that are unaudited by the community.

here is what bitcoin community really needs to do to stop being so market driven and get back to a change in civilisation.

1. stop saying bitcoin is a waste of electricity as it is like saying breathing is a waste of oxygen. bitcoin is digital. meaning electric. if you want something that doesnt 'waste' electric then go make paper and complain that its a waste of trees. or make a physical labour barter system and complain that its a waste of sweat.
bitcoin does not waste electricity. it has been proven that even if you believe 50% of mining is in china. screw it lets just call it 100% to really exaggerate things.. the 100% of mining is using up under 10% of the UNUSED electric production that is above demand/consumption of just china
at bitcoins peak. 40twh is bitcoins usage a year.
china alone consumes 5600twh. but produces 6500twh. that 900twh goes to waste unused.
bitcoin at max of 40twh world wide buys the waste electric and uses it. think of it like vegetables that dont get sold, that would end up going to landfill. a bitcoin grocer buys that excess veg and feeds on it. thus less veg go to landfill
out of china alone bitcoin at its peak was only using 40tw of 5600 consumption. which is less than 1% of only china.
to give you prospective
you will actually find that cocacola alone uses more electric than bitcoin just to keep bottles and cans of cola chilled.. should you do the research

2. stop thinking bitcoin just needs one dev team heading up the rule decision process, because that mindset is centralist mindset. vetting rule proposals and vetoing anyone that opposes that single teams vision is not a way to grow a civilisation, but a way of growing an tyrannical government should that team become political, which i think your suggesting that a crypto become political.

3. its more reliable then other payment systems. other payment systems have chargebacks. require ID to authorise payments. require bank managers to authorise payments over $500, limit spending amounts, requires people to manually process and observe transactions. bitcoin is a clear open self audit system that does not take 3-5 days to settle. and does not still have risks of chargebacks after settlement.
yes its not perceived as being "quick". but that could have been sorted with a few lines of code to ensure that transactions are not open to a free market of letting pools capitalise on which transactions to let in. but instead have a transaction priority of a first come first serve bases

trying to assume a capitalist aristocracy model works is like saying lets just make banks be banks, because they already are a capitalist/aristocratic system.
if you just want to evolve the old banking system to being crypto. then go research hyperledger

meanwhile we should concentrate on bring bitcoin back out of the 2014+ agenda of being capitalist/aristocratic and make it more civilised open community of no barrier of entry, no centralist, no permissioned(co-signed) mindset it once was pre 2014