I think you are just ahead of the adoption curve. Credit cards are a terrible mode of payment for the internet, and for the same reasons you mentioned, Lightning will eventually conquer a chunk of that.

A totally solid argument for why it is a torture to make a payment by card, and in reality with any part of traditional banking it is a pain in the ass. A while ago I read an experience of a stacker, who commented how his wife who is Russian and does not use bitcoin, commented how she did to send money to Russia to help her parents, and in doing so she pays a commission of €80 per transfer so that the money can arrive by the traditional way (banking)

...and another 1% or more in exchange fees or spread in case the merchant takes the payment in fiat (for fiat expenses).

So a little less obviously good, but yes I take your point. Mindbogglingly that merchants aren't offering BTC payments left right and centre

yeah, it's because getting the money out on the other side is a hassle, declaring it on tax statements is a hassle, and the banks and the bureaucracies will label you a suspicious figure. Lightning is fine, it's everything around it that is doing all it can to stop that

Bitcoin/LN MoE are being slyly but relentlessly obstructed by the fiat powers. Because as a MoE Bitcoin is a real threat to them. Unfortunately, they are largely succeeding in this obstruction and a revolution would be required to remove it. Most people including Bitcoiners are so distracted by the noise around Bitcoin price that they don't see how it has been slyly but very effectively obstructed as a MoE/P2P payments protocol.

All of us in here are way ahead of our peers when it comes to understanding bitcoin, LN and self custody. These tools are way easier to use and understand since I started in the 2010s. Banks paint this tech as scams because they can't make up fees and such. The banking industry relies on fees and people not understanding how money works.

wao, certainly they should give all possible support to the payment networks, as lightning network, for me one of the safest and fastest, banks really many are not prepared for this type of transaction, we must give more use and thus position our payment network so that users and large companies see in the digital payment network a safe and reliable option, from my eyes saw this system, I think it is the best SN with its platform. Thank you and sats to all

But first let's talk about the Lightning Network (LN). It is a “second layer” payment protocol that operates on top of the leading cryptocurrency, Bitcoin, to significantly improve its scalability. It is designed to enable instant, low-cost BTC payments between two parties. Lightning Network comprises a network of “payment channels” between participating nodes. These channels allow participating nodes to settle payments instantly between each other without having to wait for confirmations on the underlying blockchain. When the payment channel is closed, all your transactions are recorded on the network as a single large transaction. knowing this it is really crazy that international bank networks as well as some ecommerce do not use this wonderful network for their transactions being bitcoin as the digital treasure we can have and use today. i agree with the use of LN network for instant payments in any payment network.