Sorry, noob, but you don't understand LN fees. Have a look at my guide and you will understand how does it work: #972730

It is mostly based on scarcity which is a derivative of demand, not on onchain costs, and it is self regulated. The more people use LN, the more nodes will come. For a route, it always wins the one with the lower fee with enough liquidity. So it is a very competitive market.

Look at the statistics of my node for one day:

I have routed 43M in one day, earning only 69ppm wihch is roughly 0.0069%. This is a fraction of what credit cards issuers charge, which is between 0.5% and 5%. If there is going to be more demand, I could raise the fees, of course, but would never get to 0.5%. And if there is much more demand, I'm sure many new nodes will appear to compete against me.