Credit cards and debit cards with tap to pay are not ideal but when using them in a physical store they work well enough. Whats really broken is trying to use them online.
Trying to type in your credit card number full name date of birth cvc number along with some human verification test just to buy something online is a joke. Not to mention if you use your debit card online your bank will need some ridiculous sms message code authentication which is prone to sim swap attacks.
Lightning is built for online native payments. Scan a QR code and your done with zero risk of compromising your other funds.
All lightning needs is a critical service in the online payments space to get onboard. Something that everyone uses, like being able to pay for all apps in google play or the apple app store with lightning instead of bank cards. Or something tens of millions of people use like netflix or steam.
Pushing for this could lead to critical adoption that leads to a feedback loop of more adoption.
What are some other online services that tens of millions of people use that could plug into lightning if they wanted to?
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