It's just Venmo/Revolut 2.0.
The fiat world already has convenience, we that's not why we are here.
Discussion
The 'average' person isn't on Nostr right now. This is a collection almost exclusively made up on hobbyists.
But for those that don't want to run a node (I get it), something like Phoniex makes some acceptable tradeoffs.
#[3]