We already struggle to convince business owners to use cryptocurrencies, so imagine with LN. And when they do accept to use cryptos they don't do directly but use a 3rd party and convert the coins directly to fiats. Rare are the shops where the owner takes care of his own wallet/keys etc.
All currently using it are the small crypto shops online like Bitgild, Coinsbee, and others
Otherwise https://acceptlightning.com/map.html
https://lightningnetworkstores.com/
That's certainly true, mate. After all, crypto is still volatile in prices across the market. Even though the Lightning Network works as a tool for providing instant and cheap transactions worldwide, mainstream businesses & stores would still need to deal with price volatility one way or another. That's why Fiat currencies (like the USD and EUR) have been the top choice of businesses and merchants alike because they're always stable in price. I'd be surprised to see widely recognized retailers like Walmart, Amazon, eBay, and even Target accept Bitcoin through the Lightning Network. Once this happens, you could except mainstream adoption of crypto and Blockchain tech to rise like never before.
The above links show an ever-growing number of businesses accepting Lightning Network payments, but the list is still small compared to those businesses which accept Fiat today. It's still too early to tell about Lightning Network's adoption within the mainstream world as it's still relatively unstable (under constant development). Hope that we'd get to see more businesses accept the LN for our own convenience.
Since the average person doesn't understand or use it, including me, it's going to take a long, long time before it gets anywhere.
It's possible third party stuff like the Bakkt and Starbucks thing or some sort of Coinbase account linked payment will take precedence.
Bitrefill is a great service. It allows you to easily purchase gift cards by just using the Lightning Network. With instant transactions and cheap fees, you can't go wrong using this service anytime, anywhere. JoltFun is a great option for buying games online, while the Moon extension provides convenience to LN users by letting them pay on popular online retailers. The space is still growing as people are noticing the benefits of the Lightning Network more thoroughly. In the long run, it's hoped that more mainstream businesses & stores would accept Lightning Network payments for the benefits of their customers. This will depend on the level of success of the Lightning Network within the mainstream world. If it's heavily used by people worldwide, then you could expect mainstream businesses & stores to quickly adopt the Lightning Network. Otherwise, Fiat payments will be the norm for commerce in the mainstream world for a very long time.