I'm not very far on my project at all but I assume that a public ledger could tell me that somebody transferred money to the wallet associated with my application.
I wouldn't need to "send bills" because I wouldn't know who my users are. Except that when they login with their crypto-id my application will do work for them, because they have crypto-paid for it.
I wouldn't need to charge credit-cards since they transfer the bitcoins to my account. I only need to know their id and that they have paid me a specific amount of crypto, and that id has used a certain amount of my application.
There needs to be the infra-structure associated with crypto-currency, but not much else. That would make things simpler, I assume. That's my point. Crypto can presumably make payments and user-accounts management simpler. The less you know about your users, the less there is to manage.