"For a home, you could simply save with a deflationary currency...

"For a home, you could simply save with a deflationary currency (There will be a lot more purchasing power once the current financial fraud system is obsolete). For a business idea you could do the same or the market could crowd source."y.

Ok, so I might need $1 million to buy a house. I am never going to be able to do this by saving with said cryptocurrency, my only viable option is to borrow the money. Which means a bank or financial institution. Can I crowd fund my mortgage? Is it viable for everyone to do the same?

If LN makes Bitcoin more viable that would be great news, I don't want Bitcoin to go down as that would be bad for all cryptos. In current form there appear to be some major problems that would prevent mass adoption of BTC as a currency for day to day use. IMO XRP looks to be more solid as having established links with multiple major financial players and a feasible role as solving a real world problem. If it saves the banks $$ then it will be adopted.