Coinbase + USDC are essentialy this now. They've started working with many merchants both in the real world and online to add USDC pay and transactions are less than a cent with Coinbase charging no additional fees.
Yep, plus Apple is opening up the NFC API for tap to pay. I could easily see merchants accept both cards (2%+8c) and USDC (0%) at point of sale
2%+8c alone seems unheard of and the idea of normal people using USDC is laughable. Have you interacted with the general public? Heck, even if it was as easy as Apple Pay or NFC tap with a card most people still wouldn’t do it, look at financial literacy in this country.