If you're 'on the inside' then you know much of the consumer benefit is the silent 'redistribution of wealth' in 'points.' Since there are 'fewer fees to the right people' in the lightning network, points probably don't make as much sense - so it's a non-starter to your primary customer.

Also, disputing charges is a whole separate protocol for lightning that hasn't yet been considered. Or more accurately, is railed against as 'code is law' and 'not your keys not your crypto'

So for all the fees you 'save,' lightning nets a significantly below 0.

[Edit] Upwork is big enough to make their own gateway - the idea that they haven't is negligent.