That's because they don't need it. But how do you make sure you won't be charged an on-chain fee while you're paying for your coffee? You really need to be knowing how it works and be able to select what you want.
No... I would argue that you don't.Imagine a wallet app that has a a "prepaid" card function in it. So, you simply "top it up" with a certain BTC value (ie. putting funds into a channel, which happens behind the scenes, hidden from the user)... User then walks into cafe, selects that particular "card"/address/whatever from the app... boom... LN transaction.
I'm sure you could even include this sort of functionality into a loyalty card app or something similar.
It isn't any different to making sure you're paying from the right account when using a debit card
I congratulate you for playing devil's advocate and making sure that people ARE thinking about some of the challenges facing LN, but like I said... some of the "issues" that have been raised, aren't really issues.