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Fold's not the right tool for p2p, but it's an easy thing to replace your current credit/debit cards with for people who are looking for a place to start stacking.
I think they are planning to integrate lightning (again?) and that will be a huge improvement.
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Now that they are public and their stock is under $1 they may feel pressured to get revenues up to showcase growth which will hopefully improve their stock price. Thus, I think lightning is far down the development roadmap.
The market thinks this business will go bankrupt.
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I worry the fold app is so busy. They really push the gift card sales thing hard! Plus no p2p access.
I was trying to get my barber to use Strike because he gets an ln address automatically and I can tip him after getting a cut. With fold I gotta ask for his on chain address.