I deeply disagree that crypto is the easiest way to make online payments. Have you ever used Venmo? Or even Facebook pay? Or Zelle? Sure, it might be the easiest way to send money cross-border, but that's an edge case, the vast, vast majority of transactions are same-country.
Those aren't payments, those are custodial services that offer users the ability to move around numbers within their respective closed ecosystems. There's a reason that every one of those services is now moving heavily into the cryptocurrency space.
Crypto is definitely the easiest way. No accounts (well I suppose a wallet could be an account, so perhaps a wash here), no bank linking, no credit cards.
Crypto is the closest thing to internet cash payments.
