This is an opinion editorial by Andy LeRoy, the founder of Exponential Layers which is a Lightning Network analytics platform and explorer.

This beautiful three bedroom, 1.5 bath house in Charlotte, North Carolina, is a millennial’s dream. Complete with a backyard and a porch for enjoying a coffee, it is in a prime neighborhood just down the street from a brunch spot with an all-day avocado toast special. For just $730,000, it can be all yours.

We all recognize this house is expensive. A $4,000 monthly payment, even after putting $150,000 down, would represent nearly 70% of the median U.S. household income, and this house is about 1.7 times higher than the U.S. median home price of $440,000.





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