Not really. I mean, I guess the lightning stuff makes it settle/confirm faster than doing an on-chain transaction, but bitcoin as a store of value is still essentially gambling. So you'd want to immediately sell it and convert it to USD (or a stable coin, I guess), and presumably you're incurring fees at whatever exchange you're using.

5% for paddle does sound like it kinda sucks, but I feel like any lower fee you'd end up paying with bitcoin would get eaten up by complexity, annoyance, and currency conversion risk.

lightning also works for USDT, if you prefer that.