1. Credit cards do charge fees, and not only that: their merchant fees increase the final price of the products you buy with them.
Sure. The fees are just WAY lower than with bitcoin/LN.
With LN, you would have to pay a fee once, and probably never again, if everything works as expected. You can open the channel when you want, probably in a "low-fee timeframe", like weekends.
Nonsense. Any time you need to 'recharge' your channel you'll pay the on-chain fee. And again, this will be very steep if bitcoin would ever become popular. With only 450k transactions/day in December it already was more than $50. Sure it can handle now twice that due to segwit but that's still only 900k/day, for the whole frikkin' world. For some perspective, VISA currently does more than 150 MILLION transactions PER DAY. Remember that the max bitcoin can handle on chain anyway is only 1.2million per day!
2. There will be, very likely, providers that open the channel for you for no cost just to ensure you use their LN node as a gateway. I expect this behaviour from exchanges and online wallet providers. Obviously, they want you to pay their (trading) fees, but let's be honest, most Bitcoin users do that anyway, and trading fees are usually low.
Nonsense, nobody is going to pay for such steep costs.