Ask HN: P2P payments are the future?

Why are so many people making P2P payments apps/businesses nowadays?

PayPal for B2C convenience (1998) Lending Club (2006) Braintree for Payment APIs (2007) Venmo for direct P2P payments (2009) Stripe for Payment APIs (2011) Host of P2P Payment apps (2011 - Present)

Please share your thoughts in the comments section.

Disclosure: I made a P2P payment app for iOS and Android too, it's called AgreeOn: https://agreeon.app.link/p2p-future