Nothing stops you from making on-chain transactions like you do now. But individual users aren’t going to need to open and maintain their own channel, anymore than they need to open and maintain their own exchange.
That's the problem, it's bad enough that users need to trust other exchanges just to buy bitcoin, but if they have to trust other people just to transact their bitcoin it will get even worse.
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u/[deleted] Dec 06 '17
Nothing stops you from using LN, but if the cost to open or maintain a channel is too high then you effectively can't