Sure. I sympathize with you but your proposed solution has clear flaws. Need something like proper async payment built into LN or Hedgehog. People are working on both of these.

If Lightning and Bitcoin are successful then it’ll be the rails for many types and models of banks and probably new fintech models altogether. Maybe not globally but I can already see geographically advantaged areas emerging. And interestingly if the state doesn’t interfere with running a Cashu mint then Bitcoin will probably do best there as a result.