Please help me out here, here's a scheme:

1. Strike user authorizes a $100 worth LN payment to website, internally strike converts them into BTC which at the moment costs, say, $100000.

2. Website holds incoming 0.001 BTC payment for, say, 6 hours.

2.1. If BTC price rises during that time to, say, $110000 then user has sent $110 at that point. Website accepts a payment, converts it to USD, sends $105 USD back to user.

2.2. If BTC price declines during that time to, say, $90000 then user has sent $90 at that point. Website cancels a payment.

2.2.2. If $90 gets back to user account at Strike, then Strike users are susceptible to an attack where payee is incentivized to hold each incoming payment they send.

2.2.1. If $100 gets back to user account at Strike, then Strike itself is susceptible to this kind of attack.

Has this been discussed?