That 1% fee is terrible, especially since many cards have cashback. Tbh, USD cash + OpenDimes might just be the way to role. Bitcoin Company app had trash UI/UX from what I recall vs Pay With Moon. Anyway, the spend side doesn't really do much until there are more 2 sided gig markets with btc payment. Viable biocybernetic systems that interact with world rather than insular.
I suspect AI tools might generate some new opportunities for market clearing / matching in a less centralized capacity. Does that seem likely to you? I was always curious about nostr enabling that, but maybe AI is a key piece?
Seems there is a missing social/coms layer to economic activity that gets missed by purely technocentric solutions. I built a very simply message primitive last week while thinking about this challenge. Does it seem like it could be useful?
https://github.com/OpenWyrd/sendwyrd