Maybe. But I have some hope left: shop owners won't accept LN if there are barely any customers who use it. Creditcards are widely accepted already, so if creditcards temporarily help more users to pay with crypto, it might lead to the situation where more and more users actually pay with crypto. And if that's the case, it suddenly becomes interesting for shop owners to cut out the middle man that takes a percentage out of each transaction, and accept LN directly.
Maybe I'm dreaming, but I'm still hopeful

I don't really consider it subsidizing competitors: Bitcoin gives the freedom to use it in different ways. Creditcard companies are now joining because there's money to be made, and maybe because they know they can still get an early adopter advantage before they're too late.