Yea it does create some friction setting it up because of that, but it’s still the best option out there I think especially because of how well it integrates with nostr apps with NWC, WebLN, Nostr signing extension, and excellent liquidity and uptime so payments almost never fail.  

 I don’t love the “invite only” process but I simply don’t know of a better option considering what you get for the effort of seeking out an invitation.