You ignored the balance attack and the fact that users have to ask to get paid instead of getting paid without needing to send an invoice.

You also completely ignored the inbound liquidity problem that monero doesn’t have. Are you sure you can accept more btc than you have in your lightning channel? Then there’s the issue of setting up lightning. Why should people have to pay to use lightning? People don’t have to pay a transaction fee to start receiving monero with privacy. Only one of these points makes monero the better pick but I’ve given you three issues with lightning, all technical, that monero does not have.

And why does it not cut it? Credit cards do it all the time. For small or in person transactions, it’s reasonable to assume the person is not using a modified wallet. And it’s reasonable to assume that there won’t be a double spend if the network isn’t congested. For online transactions, an extra 20 mins before sending the order to production is not a big issue. Inbound liquidity is a much impactful issue than waiting 20 minutes to be certain the monero has arrived.