The goals laid out in this article are all right. But I think fiat's flawed banking system has already primed people of different accounts having different functions, spending account, savings account, credit card etc. Meaning that top ups are, I think not a problem. People already think of their credit card and their cash in the pocket as largely different things. Having a "fortune" btc wallet and a "spending" LN wallet doesn't seem as a problem. Tx fees are the big problem in that setup though.
LN needs loop in/out type services and a whole commercial service infrastructure to become easier to use.
Exchanges, merchants and other participants will hopefully grow a healthy network with distributed liquidity in channels.
It is needed to get good capacity in channels, submarine swap type technology will help immensely.
Establishing more channels in both directions is the next logical step for the LN infra.
Yes, I just hope the network participants are incentivised to make the LN network healthy enough.
I'm currently testing the Thor service from Bitrefill, then I caught a high-fee wave, so I'm waiting for the swap to clear onchain. Should be during the day if my intuition is right.
I'm also opening outbound channels from my own wallet.
Exchanges should never use LN. That's not a use case for LN. Exchanges need security and high value txns there is no problem waiting for confirmation.
They should use rbf and wait for confirmations and bump fees if the txn does not confirm