I see .. I didn't know stables can't be used as cash .. actually, never tried .. 

But that said , why do that at all ? When credit cards are working fine as is .. and people don't mind paying 2.5 % in fees ..why then rock the boat ? 

When ever you need to settle the credit card , convert a bit of USDT in local currency and boom ..  sure there is centralisation and what not ..but how many people really  A F ?  

 inflation will make both consumers and vendors look for ways to shave their margins thinner

and yes, services like Xapo bank already do this via the credit card payment network

but with higher margins than LN can do, that's my point... when people are squeezed, they will eventually consider the saving to be worth the time to learn and deploy 

 the cards use case just is a problem

i live in madeira, and almost nobody except the big chains and centrally located shops has card terminals

they would sooner adopt LN if enough customers demanded it, because the cost of deployment of the setup is very low, they almost all have mobile phones that can already act as lightning payment terminals