I think understand the basics of how Lightning Network works. But what I'm failing to understand is how users will use this in a practical, day to day basis.
Say I want to pay for my Starbucks coffee in store.
I know that in theory, I'll make a deposit into a multi-sig wallet with Starbucks on the main chain. However, this will take at least 10 minutes to be confirmed, and you would have to do it with every party you wanted to transact with for the first time.
So ideally, wouldn't there be some sort of single, intermediary service or protocol that I could enter this multi-sig wallet with instead? And Starbucks would use this service as well, and we wouldn't need that whole dance?