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Who here would use a Visa/Mastercard that get's funded from your non custodial wallet via LN invoice as part of the actual transaction at market rates?

The card has a built in NFC based LN wallet for native LN transfers.

Caveat: To enable Visa/MC functionality there is no way around KYC.

Would you use that?

I believe a number of people would. There are a few companies doing this (Pay With Moon, The Bitcoin Company) and it appears there is a market for it

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Just use synthetic asset via LN native wallet

standardsats.github.io

Not many businesses accept LN nowadays though.

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Sadly yes, for such cases the card has Visa/MC fallback.

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