Those are both links to the same essay: Urbit: the future of private computing
And to cut a 3,000 word essay down to 14, let's just focus on the first idea:
"First, your urbit is a full crypto wallet. It can store and send Bitcoin"
I think this is would be a great product! It doesn't even have to be "full": just doing nothing but lightning, not even real bitcoin just lightning, would be a viable, great, fantastic product! It just has to:
Send and store lightning
Be on urbit
Work.
That #3 is a big one. It has to actually work, really well, reliably.