Monero folk are using the feature pretty heavily now even with the feature's second class UX compared to zaps. And I think the fiat support in Payment Targets (CashApp, Paypal etc) is a good feature for normal non-crypto people to be attracted to nostr. That has potential to catch on later and retain more people arriving to nostr. Expecting users to run a server (or worse, use custodial payment software) is an infinitely worse UX than having users leave the app to make a payment in my view. And I can't imagine nostr apps shipping full fledged Bitcoin/Monero/Eth wallets ever, nor ship "deposit fiat and send it to other nostr users." My view: leaving the app is ultimately the best tradeoff. It may not have worked well initially for Bitcoin payments as it was originally implemented, but I think a flow modeled closer to zaps but generalizable for any payment can definitely succeed, at least for sure with Monero people. I drafted a spec here that I think is extremely easy to develop on both nostr side and wallet side, and could land on a nice UX: