Is not only about spending. Is also about how to help those merchants to accept your payment in sats. Is kind of chicken and egg problem, but stackers are the ones that should initiate more this problem, not the merchants. Merchants will accept whatever they can only to increase their sales (see my story about playing with 3 different merchants).
But if you go to a merchant with a VISA card (it doesn't matter if was loaded from your sats wallet), that merchant will see ONLY a fucking VISA fiat card, not bitcoin at all.
But if you go to that same merchant and try to convince it to accept BTC through any solution you have considered good for him, that will change totally the formula.
IT'S ALL ABOUT THE ATTITUDE ABOUT ADOPTION.