I absolutely see your point here.
At the same time you have to consider why one would go to these „extreme“ lengths to just pay for something.
The simplest reason would be, because you otherwise wouldn’t be able to simply pay for something.
One example would be a country where hyperinflation is the norm, where paying in dollars or in another major currency is not possible. Leaving you no other alternative to buy something or obtain payment for any work you sell.
Another example is an organisation operating under a dictatorship, where paying for something is not simply possible, because you are not able to have a bank account.
One additional example would be you trying to stay anonymous. Maybe you want to buy a sex toy in a country where this is illegal or just don’t want your spouse to know about this. (There is a moral question behind this, but there is a moral question behind everything, depending on location, time and context. Lets not get into that.)
Maybe you bought crypto years ago and now want to buy stuff, without having to pay horrendous amounts of tax on any gains.
Yet, I agree with you in that the setup above might be too complex and complicated for most people.
Wishing you a great day ☀️
