This brilliant model takes advantage of tax rules and demonstrates Gresham's Law.

Spend bad money, save sound money.

Interchange revenue share models with credit card and banking networks is a money printing, albeit rent-seeking model that bitcoin and lightning will eventually replace.

Upon a particular market pricing representing another 100x +, bitcoin will transition from a store of value to a fulfilling medium of exchange money in a peer-to-peer economy.

Interchange fee-based business models are a volume game.