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I'm not sure how "non-cryprocurrency" applies to lightning in anyway. Lightning channels are denominated only in bitcoin. There is no non-cryptocurrency aspect of it. Lightning has many properties that a debit card does not. For example not having to trust a bank to grant you an account, and supporting peer to peer transactions without intermediaries. Debit card transactions are limited from below by fees, fees on lightning are fractions of a penny, thus allowing micropayments that are not feasible with a debit card.