Edit: Also, I don't think the Lightning Network behaves likes the credit card networks. What do you mean when you say that?
Also, my understanding is that Lightning Network is semi-custodial, so it's probably more similar to banks than credit cards. I'm unsure why modern bitcoiners are adamant about "not your keys, not your coins", but are ok with semi-custodial solutions.
The problem with the LN is that it's like a gift card (I said credit cards before but gift cards is a better analogy). I need to send $X on-chain to establish my "store credit" so that we can transact off-chain for future transactions, before eventually resolving on-chain at some point in the future.
Imagine network address translation but stupider by orders of magnitude :P