you are missing the complete point
much like many thought that LN was soo utopia that there was no way to fractional reserve because all channels had locked and confirmed value.....
.....
until thor turbo proved it was possible and people were getting inbound Msats not backed by a confirmed bitcoin 'funding lock' utxo
when you realise that there is also no network consensus and that msats are not 1:1 rated with sats.. where instead that 1:1000 ratio is not guaranteed either and can be messed with too
where when compiled, and a service tells people to use their app..
EG a service of 1m users al using that services LN app on their phone
people wont know of the rate change while using LN.. they see the msats and dilly dally happily moving msats in onion payments
.until.. they broadcast the commitment and see onchain that they are getting not as much as promised..
then you will see
When a channel is opened, the initiator of the channel open has to pay the onchain fee. Same with closing. So he pays a minimum of 1sat/vb two times, which is a minimum fee of about 400 Satoshis plus at max of 2 Satoshis lost due to rounding down. Noone cares about this, Franky. Channels don`t have to be closed after every payment, but they can (and often) stay open for years.
Thor Turbo is just a Bitrefill implementation, that speeds up channel opening. Nothing to see here. All exchanges are implementing their own software. Most of the trading on exchanges is happening under the hood and is not shown on the blockchain. They can do whatever they want with your money.