[gowld]

But why isn't it fully automated, like Apple Pay or privacy.com?

[bombcar]

Because the main purpose of crypto has been number go up. I suspect monero (which I think is the privacy one?) has something more in that area.

[brutusborn]

The same reason anything isn't automated: the developer estimates the cost of developing the system is higher than the potential upside. At some point, someone will add this functionality to their coin / platform because they think the potential upside will be worth it.