NOBODY is doing this at all. Literally no one, to the best of my knowledge. This is why it’s not growing.
I don't think there is much desire in the public to buy a cup of coffee with "digital gold" for $3 today, but will have cost you $30 in 5 years.
Greshams Law. "Spend bad money before you spend good money". Currently there is lots and lots of bad money to spend.
This is why I'm also skeptical of the "we need to scale bitcoin" L2 projects. Not against them, just skeptical if there is actual economic demand.