I love lightning for spending, but yeah me too always keep the stack onchain. At the beginning it was very difficult to use bitcoin to pay in stores, due to the confirmation time, I think lightning was a great advance that made this possible. 

 That's not my approach: to pay bills or goodies with btc. For this kind of situation i have some bucks (gresham's law). But your point is right if someone likes to pay with sats.