[smoldesu]

There is no good digitally-native currency. On top of that, nobody really wants to handle the liability of these transactions. Payment processors take their cut, sure, but I'm 99% more likely to pay someone with Paypal than I am to put in my CC details to buy $COIN. Plus, past attempts to implement this were ruined by scroungers like Brave taking unknowing creators' likeness for their system and creating shadow wallets for uninterested parties (see Tom Scott's famous callout post).

Giving anyone too much power over the transaction makes it unattractive, but removing the liability framework makes it unusable. The window you're looking for (completely free, secure and effortless transactions happening entirely in USD) doesn't really exist with the current legal and financial frameworks.