If no one is considering to take on this task, I'm more than willing to do it myself, but I will need the support of the community, I can't afford this development by myself currently.
I can dev at a decent cost, but, makes no sense. It just doesn't. I have stopped reading when you said the price is equal with adoption. And LN is not the solution nor any other current alt. For such situation the collateral protocol would be gigantic, the affiliation between the CP and LP will just not work. The time spent on writing it should've been enough for you to realise that not even in a utopia of your choice, it will not work.
Good luck with that, I know I am being vague but I can't pull my head arround how someone would think of this.