Your hatred blinds you. I collect ecash in a database and sweep it to lightning at my leisure. Take away the insults and this is literally the model you are describing. You don't need to sweep to lightning at time of payment. This puts failures on the sender. It's bad UX. And for what? 21 sats? Not worth it. Cashu is built on lightning. It is lightning with one extra layer. It's the best of both worlds.