A discussion dedicated to Lightning Wallets would be great!
I've been looking at some (done some basic payments on Blue Wallet) it works great once you have your BTC in there (they outsource that bit and it's a bit clunky, but that's to prevent money laundering, so maybe no bad thing?)

After reading up fairly extensively on how the Network actually works I haven't been able to work out how a collection of multi-sig payments can look like a Lightning Wallet - surely the Wallet owners either have to be able to match the liquidity for each transaction or somehow allow topups to existing channels?  I'm trying to figure out the business model operates before getting too deep into planning anything!  Does anyone else here have any experience or know where this type of question can be answered?