1) Lightning doesn't magically create money...you have to sell a good or service to generate revenue.

2) Payment processing costs money through Visa or through Lightning, but Lightning is way, way more efficient. See below for Liquidity Subscriptions.

3) There is no need to sell data to earn revenue. Sell a good or service instead.

4) Lightning payments are private by default and can't easily be breached. This is essentially impossible due to strong encryption.

5) You don't need a smartphone for Lightning. You can use a BoltCard or even a feature phone (See Machankura)

Liquidity Subscriptions - Replacement for Visa Payment Processing fees