I suppose things are different in your country then, but in Brazil it’s just as I described. Works the same for both fintech and conventional banks.

Monopoly money aside, even a BTC wallet starts at zero so it’s not unheard of.

Still, even if LN channels were “free” you still need to understand when and why you need to open/close them, the whole thing is not exactly as plug and play as normal transactions from a UX perspective.

Just my two sats.