LN isn't really made for big payments anyway.
For micropayments it will probably work better. But for anything above, say, $200 it already might become unusable. And who is going to use bitcoin to pay $200 when they need to pay $70 on-chain fee?
You don't need to pay $70 for $200 transfer, you are not forced to use Bitcoin if you are not limited by traditional system, you could use LN like people are using Electrum, normal users would connect to LN hubs. you could have $200 when you pay a hub $200, your money is always there for you to spend from, that hub has to be a centralized hub for you to leave your money with them, even if they close their channel, they would fund another one.
Hubs would never block your $200, nobody would trust them if they do. you could even give them another coin, if you don't want to pay a high fee sending your $200 to fund a channel.
Bitcoin or other coins are not fiat money to be used for beer, a nation of 80 Million terrorists could use them and pay the high fees if they could send and receive $200 Million without the thieves in the US blocking their funds.