Assumptions:

1 & 2 This is already true. I've been using lightning for over a year on a nearly daily basis. Never had a payment fail.

I believe some wallets already support NFC, though I haven't played w it personally. No need to open an app or unlock your phone. Just tap the phone and tap "ok" or set it to automatically appove all taps.

When people understand Bitcoin, the current friction is no big deal. But friction should continue to be reduced for mass adoption. Lightning being a pain to get inbound liquidity on is the primary piece of friction right now for new users.