Don't have to hold Bitcoin, to pay in Bitcoin. You can just throughput your other money at point of sale, same way I use my euro account to pay people in dollars. I feel like, someone not up to that isn't emotionally ready for Nostr, anyway.
they are probably the first but xapo has lightning, on chain, swift, visa and mc payments, their fees are going up in september but i bet there will be competition soon i'm sure there will be more neobanks adopting LN in the future and then it's all rather moot