There's a thing called Lightning Network nowadays. Solves that obstacle nicely. Nostr is using it intensively for "zapping" micropayments in BTC to others. Any

There's a thing called Lightning Network nowadays. Solves that obstacle nicely. Nostr is using it intensively for "zapping" micropayments in BTC to others. Anyways, plenty other coins exist too without high fees, and plenty of people use DEX'es where they remain firmly in control of their money with their own wallets.