another interesting aspect in this is that LN may not only capture small payments but also payments by small shops, niche industries (like adult entertainment) and all kinds of cross-boarder payments. That's because all these businesses are often excluded from tradfi payment rails because nobody wants to be an acquirer for them because they are too risky or too small. Even if LN had fees that are not too far away from Visa & Co., it still has the advantage of being entirely debit based, so no need to check any credit-worthiness or bank account, so the cost of processing payments of "riskier" industries is not higher than usual in LN