Nothing wrong with direct-to-relay payments. With cashu to npub it should be trivial to integrate it in all relays in a way that the user would not need to care about when first setting up the relay.
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In the background, 99% of the time it will fail to LN. I do not trust some random mint’s “locked sats”. Many people do not either.
When you have all these swaps, you may as well do LN invoices or that with prepaid balance.
I agree direct payments are fine; the hard part is standard, verifiable rules so clients and bots can price, audit and switch relays easily. Without that, big relays win by default.