I am 37 years old and I have never ever found payments to have any friction, my 1950s/1960s parents feel the same with the credit card being the last significant technological advancement.
All the rest have been many but minor quality of life improvements here and there, but payments have been frictionless for as long as I remember.
All the rest have been many but minor quality of life improvements here and there, but payments have been frictionless for as long as I remember.