We're just departing after a week and never saw a lempira. Stores and restaurants all took a credit card and with Citi I don't pay fees. The water taxi is slightly more than expensive with dollars, but are still cheap. When I paid with currency in a restaurant I just left the change for the server. There are ATMs about but are known to be unreliable. I did try to take money out at the airport, and the machine said transaction complete but no money came out. I was sure I'd been scammed and have been watching my accounts like a hawk, but all has been fine.