We use it to settle debts between ourselves among my siblings, and a couple trusted friends.  I run a mint (separate liquidity from my main personal LN node), I'm not a scammer, and the folks who I've onboarded & use it all know where I live 😉

From my perspective, it's just a deferred settlement pattern, and up to them when they choose to redeem or leave my mint.  Privacy doesnt really matter for us, it's the speed and simplicity we like.

Some of us still use lightning by itself most of the time, but that's not as easy to onboard without using impersonal 3rd parties, or getting your hands dirty