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You are correct. This is how it should be, but unfortunately it isn't... yet!
Thought experiment. If suddenly, every single point of sale in the world had seamless lightning payment options, would anyone actually pay with it? The overwhelming majority of people would not. Saving 3-5% in processing fees of zero transactions is a savings of zero. Where is the consumer incentive? This is what we're trying to solve and provide a good experience for.
Next step would be for whomever integrated with that point of sale to offer bitcoin rewards to the consumer AT LEAST as much as they're already getting through their current credit or debit card. Ok, but how do they know which wallet the customer is paying with? They don't, because lightning network's onion routing - unless of course there's some sort of integration or middleware to figure this out, OR the same wallet the customer is paying with is also the LSP of the merchant, in which case that seems to be rather antithetical to bitcoin ethos. USE THIS WALLET TO GET REWARDS AND ONLY THIS WALLET otherwise you get nothing and have zero incentives to pay with bitcoin. Sounds kind of scary in the long run, and very much a walled garden.
We're a bit ahead of the game, but we are trying to fix this issue while providing interoperability and a seamless consumer experience. Because frankly, it matters now how many businesses are accepting bitcoin - it only matters how many people are willing to pay with it.
StackStacker if you can figure all of this out we will in fact hire you to fix everything ;)
If we can just get Visa and other card payments to be part of the same point of sale system as Lightning network payments, we can easily do the rewards program within that system via lightsats redemptions (or an Oshi implementation of lightsats redemptions if it were so desired.)
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