You need enough users for providers to bother making it an option to pay with so it really is black and white. You might get a few niche providers offering it as a payment method without a critical mass of users but most companies aren't going to invest time and effort into implementing a payment system a tiny percentage of users have access too and if I need to trade money with my friends the low % means that in the vast majority of cases they aren't going to have lightning available either.