That's really cool to hear you've been thinking of similar solutions! I certainly see stables playing a part over LN as we progress further (I think stables over LN could possibly be Bitcoin's mid-bear market rally catalyst, kind of like what happened with Defi last BM).

As with all products, it'll take iterations and time to reach that world we envisage, but there is no real reason it can't exist.

In terms of the business model— we're going to start cloud-hosted, so Bitcoiners will pay a server subscription (much like Voltage currently). This will allow us to fund a lot of the software development, but ultimately the software will be open-sourced and free. We will still offer cloud-hosted services and bolster revenue by providing services to the lightning network itself (I'll leave that intentionally vague)