Fwiw I used Solana pay last year in a brick and mortar retail, and it was on par with Apple Pay UX. Granted I already had phantom on my phone with funds in it.

But yeah I hear you that asking someone to download a wallet and fund it isn’t a great way to run a business. But if the burden of regulations becomes too high, I could see it being a thing. Fwiw, I see the need for regulation here, but regulation needs to be weighed against the damage it does to small businesses and individuals just trying to do a side hustle.