Help Needed. Small Business Owner Trying to Integrate BTC

Hey there,

I'm kind of new to the space but I have a decent grasp the basics of how wallets and the lightning network function. However, I'm starting to get overwhelmed by the problem of trying to integrate payments and paying off credit cards and all that stuff. I'm not sure if my problems have solutions at this stage in the development of BTC but let me lay them out for you. I imagine that maybe some of the problems I'm having could be solved by a new business model. I would really appreciate some help.

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So, I'm a personal chef. I have about 8 clients that currently pay me USD through Venmo or Paypal. None of them are into crypo enough to pay me through the lightning network. But even if they did how do I pay my creditcards and bills from my lightning wallet? (Breez or Strike). Do I have to convert withdraw to USD and then pay them? Is there a service that will automatically do that conversion for me and that is also integrated with the a lighting wallet? It's not worth it to me to add steps in paying my bills just to use the lightning network. So that my first problem that I can't seem to figure out.

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Second problem. As I said, my clients currently pay me in USD. I already pay a %2.5 - %3.5 percent processing fee. Is there a platform that can invoice my clients in USD and then automatically buy BTC at .3%? lvl.co has a native USD checking account to the platform but I would have to buy BTC manually. LVL also doesn't use lightning. Is there any other platforms that have native FDIC insured checking accounts?

Bascially, I'm trying to be native to BTC but trying my integrate my business is overwhelming me at this point. I would really appreciate some help on my journey.

Thanks a lot,

Risky Motion