So... I have asked this question before, but let's see what has changed.
What do you think is the normal way a new user to get bitcoin?
Imagine a 14 year old boy mows your loan (as far as I know you Americans do such things). He says to you that he will accept bitcoin as payment. He doesn't have any bitcoin (or lightning channels and stuff). How do you pay him?
I think it's impossible to match the low barrier of entry of just handing him physical banknotes, but how close can you get?