My post doesn't talk about providing ramps to fiat. It explains how I used a Bitcoin ATM to trade cash for lightning liquidity on a fresh node. 

> In one of his guides he describes how you can become an 'uncle Jim' LN bank, and it occurred to me that a private bank should have the ability to do 'exchange' services

Then only "exchange" service I was talking in my guides is the swap LN<-->onchain, not to go back to fiat. A LN bank it means:
- you provide LN accounts for users that cannot afford a UTXO to open LN channels and hardware infrastructure.
- you provide swaps LN <--->onchain
- you provide education material and helpdesk
- you provide liquidity and good routes for your users payments

You charge fees for these services as you like.
Going to provide ramps to fiat it will put you in real problems. So stay away from those fiat ramps.
Stay on Bitcoin only and nothing bad will happen.

For opening channels with good routes, I explained more in this guide:
https://darth-coin.github.io/nodes/managing-lightning-node-liquidity-en.html

DarthCoin

I'm afraid I wasn't clear. This is to say, that in robosats CCs offer an alternative payment method besides fiat trash.  
I'm bullish af on CCs 🫡
I've been delaying attaching my wallet for no reason other than sheer laziness.

> unless I'm using another payment method besides fiat trash (e.g. CC's)

I'd like to avoid sending you fiat trash. Have you attached a receiving wallet here?