Paying at the terminal does more than the purchase: it forces the cashier to make a decision about bitcoin in front of a customer. Even when the merchant converts straight back to fiat, that shop learns the fee side of the argument. Card networks skim a couple of percent on every ticket, a Lightning payment settles in seconds for a fraction of a cent, and the money is final instead of reversible. What stays unresolved is the second half of your thought: if the merchant sells your sats the same afternoon, adoption grew at the terminal and not in anyone's pocket. Your percentage figure is where I would push back gently. Merchant acceptance was never the scarce thing. Holding is.