I apologize, it looked like copy pasta.

You lock up BTC in a lightning channel, you can then send that BTC to anybody via lightning,

You can not send the BTC to just about anybody. Only to people with whom you have a channel open. If you want to send to anybody you need to hop through other channels using middlemen. That sounds very similar to the function of a bank.

Not even sure why I'm bothering replying to this bot, but guess misinformation should not be left alone

• It's not instant it takes a long time until enough confirmations have been done. It's not even clear how many confirmations are enough.
• It's only instant if you use the lightning network. Lightning network is literally a traditional bank transaction mechanism on top of bitcoin. If you are arguing for using lightning transactions, what is the point of bitcoin in the first place?
• fees are huge and will only increase in the future.

• Unrailed
• Overcooked