I'm not sure I'm following the point of the hypothetical?
Discussion
You’re claiming anonymous or pseudo-anonymous actors bring in more fraud risk, correct? So when dealing with Lightning how would you introduce more fraud? I thought it actually might reduce the fraud you mentioned, that of when a retailer is paid with a fraudulent transaction by someone pretending to be someone else.
Relying on payment technology, rather than ID technology may actually do a better job at reducing the fraud, because you can’t pretend to be me and buy gas with my sats if I’m running my own Lightning node.
Stick with the e-commerce use case. In person payments are one thing. Obviously, cash is an anonymous system, and that works fine for in-person retail payments. But go back to the diamond ring example. How do you safely buy something like that anonymously, without extreme risk of rugpulls in the form of non-delivery of goods or services?
A bills of lading model is the best I’ve been able to come up with for this problem. Know third party carriers facilitating the anonymous transactions for a fee.