On-Ramps: More Headaches Than Help for Merchants?

Honestly, the amount of talk around stablecoin on/off-ramps for merchants feels a bit like a solution looking for a problem, at least for any SME not already neck-deep in crypto. Between the compliance overhead, the volatility risk (yes, even with stablecoins if you're holding for any length of time before conversion), and the still-present friction compared to traditional rails for mainstream customers, I'm just not seeing the killer app for most businesses. It feels like the industry is more focused on building bridges to nowhere when simpler, more robust payment options already exist, especially with a $ZARUSD trading at 0.0610 and $BAC around 59.3 offering pretty solid infrastructure. Change my mind.