Oh, yeah that's assuming you would close channels constantly which makes no economic sense.

Basically you would close and open a channel roughly as often as you open or close a bank account. The on-chain txns would mostly be used for large asset transfers. Things like submarine swaps would not be viable but looping in funds would essentially be like someone going from a standard checking account to a "Preferred Customer checking"

Your upper limit would basically be how wealthy you are. Do you on a monthly basis transact 3 million sats? In and out? That would be the size of your LN channel. Btc in your employer pays you through your bank channel. Funds out through your bank channel.

You could do personal LN channels but that is where the scary fees come in. If you have the wealth, go for it. BUT you really have to trust your channel partner because those SATs will be very precious.