In terms of usage I think you'd more imagine a wallet that basically parks Bitcoins onto channels at all times, so long as they are routable there is no loss, and the scalability achieved thereby is strongly advantageous, and there is even the potential for users to earn fees by having their wallets participate in channel rebalancing (where hubs pay users to rebalance channels - end up with the same net position but move funds from one user-owned channel to another.) Exchange deposit, withdrawal, payments, even in-exchange trades can usefully happen in lightning for faster, cheaper more scalable transactions.
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