Great question! According to GlassNode's HODL Waves chart we're at ~15% of the current supply dormant for more than 10 years. My own belief is that approx 20% of the current supply has already been lost (inclusive of the 15% dormant today for more than 10 years), so I'll conjecture that 20-25% of the supply in 10 years will have been dormant for more than a decade.

Mutiny wallet is the first, they say, self costo dial Lightning wallet that is run right out of a browser. This is a big deal because now everyone can have access to a con custodial LN wallet without the need for iOS or other walled garden operating systems to use.

Be careful though: they have warned that it’s in open beta and bugs are still being reported. Seems like a great tool for those who may need it most.

I've given some thought as to how to make Bankify not require an open browser tab. Here are my thoughts so far.

There are a few services that let you spin up a cloud computer (a "virtual private service" or VPS) and let you pay monthly via lightning. I could give a button to the user where, if the click it, it shows them a lightning invoice, and if they pay it, it automatically spins up a VPS for them, installs the requisite software, and then hosts their wallet there, with a monthly reminder when it's time to pay their bill.

But there are a few parts of that job that are tricky: these services usually email you the log in credentials for your virtual computer, and you have to get those credentials, then log in in order to install the software needed by the user. So in order to automate this I would have to set up some service that can receive emails, parse them, automatically use parts of the parsed email to log in to a VPS and install some software, then somehow deny myself future access by deleting the password or something like that.

And I would also have to show the user some sort of loading animation for, like, several minutes or so, and hope they don't just get mad about the delay and "x out" partway through. This would also break if the VPS host ever changes their email format, meaning I would have to maintain and update the software occasionally, and users would have to be made aware that they are trusting the VPS host to (1) stick around (2) not read their private keys and steal their money.

This is all very imperfect so I seek a better solution. When there are free custdial services available, how do you convince users to pay for the-same-thing-but-worse?