> If spenders have nothing to gain because they prefer creditcards, then this argument applies to bitcoin/lightning, monero and all other cryptos all the same.

Most spenders will prefer credit cards, but there is a non-zero group where absolute privacy is important and monero is the better choice, therefore more valuable to them.

You are the one trying to make some false equivalency by saying that "bitcoin/lightning is good enough for most cases, therefore there is no need for monero".

The problem is that you are starting with the conclusion that you want (i.e, "Bitcoin is the best") and you are working backwards from this conclusion to make all sorts of rationalizations. Try going from the use case first and then let's see where the reasoning takes you. You will see that for pretty much ANY use-case, Bitcoin is not the answer.