Bitpay's solution will always have poor UX for merchants while these protocol layer things are not available. Bitpay's solution would have been okay while 0-co

Bitpay's solution will always have poor UX for merchants while these protocol layer things are not available. Bitpay's solution would have been okay while 0-conf transactions were not replaceable on BTC. But this had capacity limitations that lightning won't. What you are saying would have merit, if thats what was happening on these particular topics. Wallets are totally not built for customers, but thats not one of the things you highlighted.