Actually, most of modern economy work on that model. We deposit our salaries (or our boss does it for us) into our bank accounts so that it can be used with the existing payment rails.
not the same though. if you have a half decent bank, you can take money in and out of your account at no cost. with BTC + LN you pay to settle.
Does it really matter where the fees are taken?
A monthly/quarterly/yearly fee or a fee per transaction, or a withdrawal fee in an ATM - It just goes to cover their costs and profits.
the actual word financial system does NOT work like the LN. i bank at HSBC, you bank at your credit union, we both move our money as we wish and it is not locked in a closed network.
