Kratter's concern is not setting and forgetting, is it? I thought it was being able to ensure, in a world where government pressure is exerted on a centralised mining pool, that you can send/spend your bitcoin (i.e. that transactions signed by you are included in the chain). If you are trying to transact with a "huge sum of money", that government pressure already exists, particularly if you are buying expensive real world goods like property, cars (KYC etc.) L2 would be enough for basic human needs.
I guess I just find it curious he didn't mention it ... at all.
