From a Developer: Logistical Problems Using Crypto for day-to-day

Crypto hindered by Anti Money Laundering (AML) policies: During a recent coin launch, r/CryptoCraversLLC ran into a roadblock that I think you guys will find interesting.

Background: We deal with a TON of people that have never used/owned crypto before. Think having to explain difference between bep2/bep20 a million times...)

Imagine a muffler shop has their own coin on the binance smartchain. Susie comes in because she has an exhaust rattle. The muffler shop in question is offering Susie a giant discount for paying for the fix with the new shiny token. Susie gets excited and wants to sign up! This is where the fun starts... A team member has Susie download Trust Wallet on her phone and explain the risks. But then she has to use her debit card to buy crypto through Moonpay and cant because she just divorced Roger and with AML last names matter. Long story short, Moonpay denies her or puts her in a holding pattern because AML is a thing even though this is a legit person trying to do a legit thing. Then Susie gets frustrated and decides not to press forward with the coin purchase/get involved with crypto. The whole AML process is discouraging because understanding how to navigate the space for an ordinary person is difficult enough, putting this kyc process in place complicates things even more. In situations like this, it feels like this process was put in place to slow down crypto growth.

Besides slower transaction time and volatility, this is a real logistical problem of trying to utilize crypto for day to day. We are of course working on solutions, but I wanted to peel back the onion and hear your thoughts. What would you recommend as a solution? I know it's necessary, but it's frustrating because for Susie to get that debit card she had to give a lot of info to the bank. Why does the verification need to happen a second time with a company like Moonpay?