Why should it be crypto though? If e.g. Stripe offered this and you could fill it up with your credit card (which you've probably given to them already), they could reach a much larger group of users and it would be easier to use than the private-keys-and-wallets hassle of crypto.
It doesn't have to be crypto, but having a central corporation in charge of it no doubt creates some tensions. If Stripe or PayPal or something did offer this and it was wide enough spread to be useful I'd probably use it.
