Most banks charge a fee for people with cards, but refund it if you keep x funds in there is that something a node operator could be incentivized to do?

Also, as for transacting offline, that's a privacy thing right? Cuz I live in BFE and have service.

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Mobile lightning wallets are offline when the app is not open.

Refunding the channel opening fee is infeasible at the moment, because this would only be economical after the user has spend as much in forwarding fees (and then some).

That's my point though, is it possible that a wallet could have enough bitcoin and channels that they could have a policy to refund that after some formula is met? I know we're still early on, I'm thinking like post-hyper bitcoinization

Sure. Just like with credit cards today, an LSP could offer a service where they refunded you parts of or the full channel opening fee after X amount of volume.

But unlike with credit cards, you’re the one that will be paying for the transactions (not the receiving party).