If they exist, blockchains and lightning channels are a worse place to do that than other systems like sql databases
Other people answered the rest of your comment well. But for this specifically, you're wrong. SQL databases have essentially zero auditing capabilities.
Even in an environment with centralized trusted third parties, blockchains are better than pure SQL databases. It's to the point where I would be very dubious about working on a trusted third party system with significant dollar value, that didn't use a blockchain for auditing.