One question I started asking myself while doing some experimentation:
When user is about to send a payment to person A, what if the wallet allowed them to send the notification data to person B, i.e. pay someone and send the masked payment code to someone else?
The benefit on fee saving is obvious. About privacy, I don't understand if it is worse, better or the same.
A possible privacy benefit would be that maybe there are now 2 interpretations to which is the change from the notification (the payment to A and the change output).
Are there are downsides in this approach?