I don't have everything figured out, not even close. Take it as a random idea open for discussion.

Actually all of this already exists. A protocol would just standardize it and enable more people to use it.

And in the most simple example, it might just be a guy from your neighborhood delivering some homemade lasagna to your relative. But this way that delivery guy does not need to work for DoorDash/Uber Eats where he can only make fiat and get half of it stolen by his local government.