With bitcoin you have to wait for the block to be mined onto the main chain - that's why you wait around 20 minutes for a transaction to complete (it can be more or less, depending on how much money you're paying the miners to complete the transaction). Once it's on the chain it's guaranteed to be complete, so any incomplete transaction will occur within that 20 minute period and the funds won't be removed from your wallet.
With lighting network (I believe, it's been years since I've done anything with crypto and lightning network started after I stopped being as involved) a transaction is complete when all parties confirm it's complete, but it's not guaranteed to be complete until the block it appears on is mined. I have no idea what happens if there's a dispute between parties.
For comparison, I used to work in payments, and although money would appear in a bank account immediately, it wasn't actually confirmed until the over night batch processing.
With lighting network (I believe, it's been years since I've done anything with crypto and lightning network started after I stopped being as involved) a transaction is complete when all parties confirm it's complete, but it's not guaranteed to be complete until the block it appears on is mined. I have no idea what happens if there's a dispute between parties.
For comparison, I used to work in payments, and although money would appear in a bank account immediately, it wasn't actually confirmed until the over night batch processing.