I would love to pay with crypto.

Every time I type my credit card number into some web form I think "Damn, I hope the number will not end up in some shady hands causing me trouble".

I had my credit card disabled once because someone started using it to buy stuff with it around the world. What a freaking hassle. Telephone calls, letters, several days without a CC, had to change the number everywhere .. annoying.

Paying a lightning invoice does not bear such risks.