No, it doesn't solve the actual problem which is both: a) "conveniently pay for whatever is legal" and b) "have some recourse if someone takes my money and doesn't send me anything".
You may argue that current payment processors do a poor job at b) but they do an infinitely better job than crypto since it's a division by zero situation.
You may argue that current payment processors do a poor job at b) but they do an infinitely better job than crypto since it's a division by zero situation.