The gap between “store of value” marketing and actually using crypto as peer-to-peer money

Whenever I try to introduce friends to the original Satoshi idea of using peer-to-peer digital cash for simple everyday settlements (splitting dinner, paying someone back), the friction always becomes the sticking point.

Explaining fee markets, channel liquidity, routing failures, or waiting multiple confirmations usually ends with them just asking for my PayPal or cash.

What setup or wallet experience currently comes closest to frictionless peer-to-peer transactions in your day-to-day use?