It works for me for payments but I use it in combination. I have wallet of Satoshi and my xapo bank has inbound LN so I can use it to get funds into my bank fast, and for a lot of cases I can pay for stuff via ln payments to bitrefill.

But it is at this point a bit annoying the capital requirement. On the other hand with some outbound liquidity I can get around bursts of high onchain fees. 

 Yeah. It's probably just going to take more time investment. Yay! 

 yeah, it's still early days... 2017 the system was invented and it's 7 years later, for bitcoin the same age was 2016, which i think you can say was when it started to go mainstream