Cars are designed to use AC. That's how all current Level 2 chargers work. They are basically dumb outlets plus a contractor, GFCI, and optionally a payment terminal. But beyond a certain level (around 20kW) the size and cost of putting a larger AC to DC converter in the car is prohibitive.
At one point Tesla Superchargers were literally racks of the same AC to DC converters found in the car, but fed with 3-phase power, bussed together, and cooled all external to the car. There's no other way to implement a reliable 20-minute roadtrip charge.
(Really it's an "EVSE" not a charger, it is doing no charging work)
They have a couple of extra safety features (like a contractor and GFCI) and include the cable (in North America, in countries with the Type 2 connector you bring your own cable).
These chargers go up to 19.2kW commonly in the US, although the charge rate can be limited by the installation (circuit size) or the car (onboard charger capacity).
https://www.youtube.com/watch?v=RMxB7zA-e4Y
Really the only difference with the fancier ones is they have a screen and payment terminal or NFC terminal for activating and paying. Like a gas pump, although most want you to use their app and membership to save (them) on credit card processing fees.
DC fast chargers are a whole different story, where the AC to DC conversion happens external to the car.
Most of the apps have some sort of balance that lets you make one $10 transaction and then spend it on a lot of smaller charge sessions.
Anyway shifting around the costs doesn't change the fact that paying ~30% in fees is very inefficient
I'm not sure if this is so widely used as to not be worth mentioning, or if there are hidden gotchas or patent encumbrances that keep it from being widely used.