There's been a lot of longstanding potential extra vectors for abuse in the LN protocol and it is not ready for operation at the specific junction where it is m

There's been a lot of longstanding potential extra vectors for abuse in the LN protocol and it is not ready for operation at the specific junction where it is most vulnerable to abuses, which is financial exchanges. Exchanges might choose to opt for reasonable security, which is a confirmed on-blockchain transaction. LN is definitely good for something where there's an in-person exchange of goods so at least potential abuse would leave someone at a physical location with surveillance footage, or where there is a subscription service that can be turned off if the payment turns out to be fraudulent. LN has a higher likelihood of assurance of funds delivery in a timely manner than a credit card -- but that there are entities developed that will insure traditional credit transactions.