Imo the 2 things preventing much-larger MoE are...

1. lack of education. When most people think crypto is Bitcoin and 'crypto is a scam' then they won't bother to learn that Lightning exists.
2. Taxable transactions for every cup of coffee, every candy bar etc. It creates too much record-keeping for businesses who by definition have to live in the 'lit-market'. Remove those record-keeping requirements for most purchases and MoE has a much better chance to taking hold. Imo it shouldn't be taxed at all.