The key thing to understand is why LN exists in the first place. On layer 1 (BTC blockchain), for large transactions there are no concerns with transaction fees. For smaller transactions like buying a candy bar or a cup of coffee, the transaction fee will likely be higher than the item being purchased. So small transactions do not make sense on layer 1.

Lightning Network is there to support small transactions and the transaction fee is so small it not worth considering. This is a layer 2 protocol. Funds must be transferred from a layer 1 wallet to a layer 2 wallet.

Wait there is one more layer to consider. Layer 3 'ecash'. Biggest reason for layer 3 (ecash) is privacy.

For the most part, all layer 2 and layer 3 software is in beta mode and everyone is warned not to store large amounts in these developing solutions.