Yes, you need to lock up a certain amount of coins in a multi-signature address beforehand.

You also need to worry about inbound/outbound liquidity. When you open a channel, all funds are on your side of the channel. Unless someone opens a channel to your node or you spend some coins over the Lightning Network, you won't be able to receive any payments.

I know it's complicated. An average minecraft player would not bother to do all of that. That's why you could recommend BlueWallet to your players. This way, they would be instantly able to receive Lightning payments without any extra configuration. It's a custodial wallet, though.