The use case I was thinking of for individuals is more like paying a nickel to read an article. I'm not really familiar with AML/KYC requirements, but I'm not sure I see the need. I would imagine most people would want a basic account so they could revisit paid content later. Any laundering would get caught looking at your business' finances (what you do with the money) or tracking crypto accounts in a more traditional manor.

I've used cryptocurrencies here and there for online services (merch and digital services) and don't remember any additional scrutiny. I reasons I had in mind are the confusion and overhead of using crypto for the average person.

I guess if there were some regulatory requirements in a made-up "ideal" scenario, I would see it mirroring existing banks and credit cards where your source wallet was from a "sanctioned" account to track location for local taxes and whatnot. The onus wouldn't be put on the business other than having an allowlist (by prefix or something)--but none of that exists. I would think a lot more structure an institutions would need to exist anyway to make cryptocurrencies more palatable to individuals.