We can imagine a LAN with several nodes and one explorer. The blockchain contains confirmed transactions with HTLC and existing payment channels to merchants. External third-party services can exist.
- Maybe merchants can still accept non-RBF onchain transactions if they are in mempool of several explorers and small amounts (to avoid any possible collusion with miners).
- New payment channels can't be established since these transactions require several blocs confirmed
- Existing payment channels can be used and new channel states can be sent to external entities protecting the channels (watchtower for LN)