Full disclosure: I work in the payment space.
-> I really wish that they used crypto for this type of things.
Crypto has some pretty massive advantages.
1) No cc fees if you have a wallet.
2) No risk of censorship
3) support in any country.
Transfers are also slow and too expensive for small amounts.
Moving funds costs about 20$ at the moment for BTC.
Sphinx Chat and Breez (a bitcoin wallet) already support streaming sats to podcasters in realtime: https://medium.com/breez-technology/podcasts-on-breez-stream...
Of course, using lightning, the payment is instant and cost fractions of a penny.
WIth regular systems you have a Bank, a payment processor and a sale processor which collectively provide the following experience:
1) transaction fees at the range of 0.1$ and up at %1-%3 that is incorporated in the price. 2) Visa/MasterCard etc, you don't have to choose your merchant depending on your coins you have, it works everywhere globally 3) Fraud protection is included, if something doesn't work out as expected or you simply made a mistake you get your money back easily 4) payment takes about 1 to 5 seconds and usually is hassle free, like tap a botton to start the payment tap once more to confirm the payment. 5) funds security is guaranteed through reversibility and active security, no risk of going broke when trying to listen to a conversation online.
More seriously: cryptocurrencies don’t need to be shoved into everything, and I’d like if HN cryptocurrency warriors would stop assuming that it’s the ultimate and stable solution for all payment problems today.