So I keep seeing people say that not everyone needs to run a LN node or not everyone needs to always be online. The reasoning seems to be that you only need to be online to receive a payment. Well what about receiving other types of transactions besides payments? What about refunds? How can a merchant refund you money if your not online? Say you buy 5 shirts but they only have 4 and need to send you 1/5 of your money back. How can they do that if your not online to receive the refund? What about rebates? While we really don't see them in crypto yet rebates are sure to happen at some point. Buy a motherboard and video card combo get x BTC back from the manufacturer. How could they send you that x BTC if your not online? Damaged merchandise arrived and you need to send it back? How do they send you a refund if your not online?
This is a big hole in the only people (implying businesses) that take payments need to be online theory. It seems to me that the majority if not all people would have to have the ability to receive money in any payment system including LN.