If merchants started giving LN payments a 1% discount over standard credit card payments, I could see this driving adoption. I pay with cash when the savings is worth it.

I'm more interested to see if there's any blowback from switching to a bearer asset payment from the credit payment model. Arguably chargebacks cause more harm than the fraud they're meant to protect against, but people have probably already been wired to assume a transaction can be reversed now that cash is all but extinct.

If anything, the early adopters of this will be the low-margin, high risk businesses that already have a different cash vs credit price.

Nah I don’t think people will care unless this payment process can lower prices. While Bitcoiners are excited about this normal everyday people could care less