There is hosted channels which is fiatjaf's concept. The difference between that and zero conf is, zero could potentially become trustless at some point if the funding tx is broadcasted and confirms but hosted channels are just channels with fake money from what I understand. There is no funding involved, channel is just opened and can be used to transact. Maybe you could be the hosted channel provider for your kids and they route through you without you ever committing funds to the channel.

Maybe phantom channels are the same thing?