Can you make Bitrefill accept Monero? I am willing to bet anybody that within one year of acceptance Monero will come out ahead. Now do I believe that everything should be put onchain? No. That's why FCMP++ is such an interesting development as it enables L2 for Monero. The problem is forced adoption of L2. It either comes organically or not at all. Bitcoin killed sensible onchain growth in favour of LN that consisted of a mere whitepaper.