In an ideal world all merchants and service providers would run a full node and accept Monero directly.
Today use of multi-currency payment processors (many with privacy issues) is common.
Lets discuss time and effort should we spend on trying to onboard new merchants to Monero versus trying to convince those with multicurrency payment processors to accept Monero directly. Success for either option will be highly correlated with how much they merchant cares about privacy and security. Opinions welcome.