The reason you have to jump through tons of hoops for fiat payments is that laws and regulations require that payments be traceable and reversible, which requires a whole system of middlemen and arbitraging of credit risk. To the extent that crypto does not require these things yet, it's only because not enough grandmothers are using it to pay for their groceries. But make no mistake: no matter how much crypto people insist that transaction irreversibility is a feature, the general public thinks it's a bug and will demand change when the elderly get scammed out of their retirement savings with no recourse possible. Crypto cannot both a) remain free of these hoops and b) get used for mainstream payments; you have to pick one.