99% of businesses will never accept bitcoin. Lightning will be the payments technology that leads to the entire financial world running on bitcoin.

99% of stores (both online and brick & mortar stores) will never "accept bitcoin".

What will happen is one day there will be a service that allows businesses to accept lightning QR codes and recieve dollars directly into their business bank account. Businesses will do this because it will allow them to accept sats or LN based stable coins from anyone on earth without having to think. All they will know is they provide a lightning QR code and recieve dollars into their business bank account same day instead of waiting weeks for card payments to settle.

Once enough businesses around the world globally accept lightning invoices the demand for lightning wallets will rise exponentially. The rise in demand for lightning wallets will force banks to have to integrate lightning allowing their customers to send their fiat balance to lightning invoices and recieve fiat via lightning invoices. Then once banks integrate lightning payments within their banking apps the rest of the worlds lagging merchants will adopt lightning invoices for payments.

At this point anyone with a bank acocunt will be able to pay via lightning to any merchant on earth and recieve money from any person on earth via lightning. Even people without a bank account will be able to use sats in a simple lightning wallet to pay to any merchant on earth and send money to any person on earth.

Businesses will never "accept bitcoin". They will just use lightning based payments technology to accept fiat. Then slowly over the next few decades as the dollar dies merchants will simply start pricing goods and services in sats instead of dollars.