There's no capital requirement, its literally just re-usable transactions you'd already make. Lightning nodes have faced traditional web server friction, Pub solves that, there's a lot more people using them today than there were yesterday because CLINK doesn't have the friction of LNURL. You can bitch about Lightning as much as you want, that's fine, but it doesn't change the fact there are no solutions to be had. Smuggling trust and centralization are not solutions. Understand this.