My son thought the atmosphere (that is, above our heads as humans) is hotter than what we experience, and I told him that it is typically cooler. (I suppose there can occasionally be an "inversion".) It appears that the troposphere includes both where most of the storms are and also where we reside, so for purposes of this question I want to distinguish between where storms occur and the earth's surface where we humans dwell and walk around.
Why is there so much activity in the troposphere, even though it is usually colder than what we experience on the earth's surface as humans?
Why is there so much electrical activity in the troposphere compared to here on the earth's surface (or very near to it)?
And why (at least near the earth's surface) is lightning usually accompanied by rain?
As I understand it: electrical charged activity "causes" lightning, which in turn causes thunder. Can someone provide any more details on that chain of causation?