You really overcomplicate things. Really, from the bitcoin ledger perspective there is NO difference if you send money to me or to a payment channel. Both are just transactions from your BTC wallet to another BTC wallet.
You did not answer my questions and I love KISS so maybe you need to go back and read what I said again
to understand it because from what you just said I cannot work out if your saying we need one, two or three
blocks of data changed on the BC even if we do play a game of dice over the channel and we roll the dice
700 times
See this link and watch the video about Bob buying Coffee from the coffee shop every day for a month
https://bitcointalk.org/index.php?topic=2776719.msg28395400#msg28395400