Lighting looks good for net spenders:
- download node/wallet
- lock your funds by openning channel to some hub
- spend until has something in channel
- close it
All costs like channel fees and locked funds goes to funder/spender.
But what in case of net earners (shops like bitrefill) another party should lock their funds and pay fees to deliver funds. I don't found answer in Lighting RFC, it seems like it should be whole OTC market with Banks/Hubs and unsafe protocols. Net earners should pay someone to lock their moneys by opening channel in their direction.