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

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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).