there is so many things you can do online without using SWIFT or credit cards

bitrefill is awesome for this, thought t here might be others, i can buy stuff on amazon, i can pay for steam games (just got the Kingdom bundle just now because it's on super special and i paid for it with LN)

i think we are coming to an inflection point soon where you can actually do more with bitcoin and lightning payments than you can do with any other method, because of increasing bullshit with WW3 and disruption of international payment networks like to china, russia, much of africa, south america