For all of the talk (hype) about how crypto has the potential to avoid the exact type of meddling and manipulation and pressuring we’re seeing now, it surprises me that no equivalents to PayPal have really popped up - that best that can be done is apparently something along the lines of what Linux was on the desktop a decade or two ago. Basically, before Valve and others picked up the slack and worked on things your average person actually cares about - notably, gaming and simple(r) to use desktop environments and software stores.

Where’s the flagship platform for payments that’s built on crypto but lets you ignore the technical details, that’s trivial to implement as a merchant and is a download away on app stores? If there are a few of those, why would anyone bother with these puritan payment processors?

I would argue it's worth investing infrastructure into it, for the same reason that valve has invested infrastructure into linux to gain leverage over microsoft. Without leverage, negotiations get ugly: see the Epic vs Apple saga.