what i have been continually telling you is this:
1. LN is NOT the bitcoin network. LN is its own separate network
2. just like all altcoins just because a transaction (for settlement) look like a particular format does NOT make them a bitcoin transaction
3. a bitcoin transaction of confirmed settle funds is only a bitcoin transaction of confirmed settled ffunds when its on the bitcoin blockchain
4. anything NOT on the bitcoin blockchain is not a bitcoin transaction

once you learn the above you understand how people writing fake cheques and counterfeit bank notes still OWE people funds once its realised that the funds are not real/wont settle/confirm

5. payments/invoices htlcs are NOT bitcoins. they are not even 8 decimals
6. the 12 decimal payments WILL NEVER EVER EVER settle on a bitcoin blockchain.. EVER
7. the channel is just an agreement/promise between 2 parties. a contract. yes a promise/agreement/contract are all the same thing

even a marriage contract is a promise. a commitment is a promise. but there is no 100% guarantee its final. its an ongoing thing that can change. "i PROMISE to love honour and obey in sickness and in health"
LN is not a immutable settled fund. its a promise. AKA an IOU
LN is not 8 decimil measured. its 12 decimal. so its not even the same unit of account. thus is pegged
EG
imagine you bought $10 of game funds. the game funds are 10000millidollars.. they are not $10. they are pegged balance to represent $10 but they are not actually $10.
same thing with 'stablecoins' they are not real fiat, but pegged tokens to represent real bank balance.

only the bitcoin blockchain is the final immutable state
if its not on the blockchain its not a guarantee, its just a promise, hope/maybe

8. there is no community support to audit the LN payment values tally against bitcoin network locked funds. it is just the channel partners that agree they are happy with how the channel is set up (what happens in channel stays inchannel)
9. if i paid you ~$4k in fiat. i would not care how you done it but i would want/expect/agree to a LN channel with ~1btc in LN balance..
10. if i paid you $400 i would be more than happy and agree to getting 1btc in LN balance
11. after the playing around with LN balance has been done. the balance is NOT sent to the bitcoin network. instead it goes back to you (or in the case of bitrefill, them) and they aggregate and decide what to do next.
12. once you update your research on watchtowers and factories you will learn that bitrefill is acting like a factory. they create the value and the channel party just agrees with it. thats how LN works(emphasis point 8 )