The same thing that leads to dealing with all the other kinds of bullshit & enshittification: convenient and free! Just sign here and tell us about yourself!

Honestly though once you’re set up it seems like it’s pretty simple. I don’t actually use any of them, but my wife uses Venmo and Paypal for some stuff. There’s a small business that I order my hobby supplies from, and I just ask my wife to send whatever dollar amount to the guy who runs the place when I text him about what I need. He could just invoice me and I could pay like you would on any online store, but this is somebody I’ve worked with for years so I’m not worried about preemptively sending the money over.