Soon after I joined Nostr I set up an Alby wallet, but I never connected it to a card.  So it's a separate pot, all the sats in there come from zaps from Nostr interactions.

Not every new person exploring Nostr will receive a ton of zaps, even if they do set up a wallet.  It depends on how you use Nostr.

That's why I'm interested in ways to let people use paid services without having to learn about lightning wallets right away.  The best quality services will be paid, so we don't want to exclude people from them just because they don't want to bother learning about Bitcoin right off the bat.