A commutative cancellative monoid is atomic if every non-invertible element factors into irreducibles (also called atoms), while an integral domain is atomic if its multiplicative monoid is atomic. Back in the eighties, Gilmer posed the question of whether the fact that a torsion-free monoid M and an integral domain R are both atomic implies that the monoid algebra R[M] of M over R is also atomic. In general this is not true, and the first negative answer to this question was given by Roitman in 1993: he constructed an atomic integral domain whose polynomial extension is not atomic. More recently, Coykendall and the first author constructed finite-rank torsion-free atomic monoids whose monoid algebras over certain finite fields are not atomic. Still, the ascent of atomicity from finite-rank torsion-free monoids to their corresponding monoid algebras over fields of characteristic zero is an open problem. Coykendall and the first author also constructed an infinite-rank torsion-free atomic monoid whose monoid algebras (over any integral domain) are not atomic. As the primary result of this paper, we construct a rank-one torsion-free atomic monoid whose monoid algebras (over any integral domain) are not atomic. To do so, we introduce and study a methodological construction inside the class of rank-one torsion-free monoids that we call lifting, which consists in embedding a given monoid into another monoid that is often more tractable from the arithmetic viewpoint. For instance, we prove here that the embedding in the lifting construction preserves the ascending chain condition on principal ideals and the existence of maximal common divisors.