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I do want an ability to spend from a lightning wallet at any of the many different kinds of payment terminals in the US
What if you could get it all cheaper, privately, over the internet, paid with sats, without having to go visit brick & mortar? Would that be an acceptable alternative?
I want an easy way to allow people holding fiat
That's not for you, and fiat != bitcoin. The stablecoin mindset is a shitcoiner mindset, because the fiat it tokenizes is a shitcoin AND the tokenization contract doesn't have enforcement to the peg, so that is a shitcoin too. shitsquaredcoin.
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That's a good reminder. I don't have trouble buying anything. And as far as accepting bitcoin payments, btcpayserver has worked, and now there are so many different plugins and options.
What are my unsolved requirements?
These are both pretty big problems and I've spent a fair bit of time thinking about how to route around them, but maybe that's my problem: I'm not willing to actually try to solve the problem (mostly because of defeatist thinking: "it's too big/difficult).
I'm going to spend more time on " how do I get what I want?"