to what is available under the protocol listed out in the lightning white paper
https://lightning.network/lightning-network-paper.pdf
Exodus and Jaxx wallets developed and ready for market in about a years time might work
with a simpler UI but the banker that are coming to town will have much more sophisticated
banking software that runs from a computer screen and not a I-Phone
HTLC can be tweaked and take a look at this as an example
to ascribe blame as to who broadcast the transaction on the blockchain.
By having knowledge of who broadcast a transaction and the ability to ascribe
blame, a third party service can be used to hold fees in a 2-of-3 multisig
escrow. If one wishes to broadcast the transaction chain instead of agreeing
to do a Funding Close or replacement with a new Commitment Transaction,
one would communicate with the third party and broadcast the chain to the
blockchain. If the counterparty refuses the notice from the third party to
cooperate, the penalty is rewarded to the non-cooperative party. In most
instances, participants may be indifferent to the transaction fees in the event
of an uncooperative counterparty.
Where will all these extra buttons go to contest the counterpart or will you happy
to pick up the BC miner fees that today stand at $25 without trying to speculate as to
what they might be in a years time.
Money in the lightning network is not like liquid that flows from end to end
over a route and is more like snooker balls and if your balls (BTC on deposit in private ledger) is
not big enough then your not allowed to play snooker
Pleases read and understand the document and I will be happy to be proven wrong