The use cases you mention are very interesting and also unique. It will not only be good for Raiden but also for those facing issues with their current choices in payment and exchange options. At Blockbasis we allow all users to send and receive cryptocurrency without any fees simply by using an email, similar to Paypal for fiat currency. This is to to eliminate the hassel of complicated public or private keys, which are hard to grasp and foreign for newcomers in crypto. We also give away BASIS, our own token, to all users signing up for the first time.