Smm = Social media marketing, buying likes and that stuff. It's a huge market actually. Porn sites also heavily set on crypto to pay their creators, paying out is even more an issue than charging in such markets.

I don't understand where the issue with refunding crypto should be. It's also way cheaper than what stripe, PayPal or co charges if users issue refunds. Personally I only save money by using crypto, I save thousands of dollars in transaction and chargeback fees every year. For me as merchants it's a non brainer.

I also use crypto as a customer but I usually trust these companies before I send money. The swiss Amazon is accepting crypto for example, as customer I trust them and all customer protections laws apply as well.