Have you ever heard of lightning network? I do pay for a coffee or a lunch on a regular basis. 

For example, here in Czech republic, thousands of restaurants and coffee shops accepts payments via app called “qerko” which accepts LN payments. 

 Yes, 95% of lightning users are on custodial wallets and LSPs that can see everything.

It's used as a glorified Paypal for most (and worse because almost no adoption in comparison) 

 Which may, or may not, lead to future issues. Is the Czech Republic working on a CBDC? 🤔