We have LN, it is suitable for small - medium scale businesses & the finality is almost instant, so it is not a problem.
If it's as easy as that, I'd expect merchants to adopt them everywhere. That being said, I do know that the rate of adoption is increasing, so that's good news, but there are challenges to set up and get accustomed to that. Even running their own payment gateway or opening an LN channel can be a problem for new users. I think it's not a bad idea to make them even easier to get into, as long as it doesn't sacrifice important aspects like security, privacy, etc.