You can keep a channel open even if its empty and continue to receive with it.

Actually you know I don't expect people to store their life savings on ln either. I'd anticipate them to ln to on-chain swap to cold storage, but those funds should be used pretty infrequently.

I mean so far we've seen improvement after improvement where txs are smaller and smaller and therefore cost less and less.

I remember when people used to worry that ln would mean the death of on-chain tx fees and therefore the death of mining and therefore the death of Bitcoin. Now I see you speculating the other way around. So can we just wait until we run into a real problem rather than speculating on problems that don't exist causing us to chase our tails?