Is there a way to achieve debit card like functionality on top of Peercoin or PeerAssets? The thought is that one could add coins or tokens to an address and then freely spend with zero to little transactions fees. This could run off chain if needed.
Not sure I fully understand Lightning network and the security guarantees and costs. Seems by operating off chain will eventually require large transaction fees to interact with the main chain (with Bitcoin at least), locking up funds that are not freely spendable at different “merchants” and potential trust assumptions regarding the hubs.