UTXO makes great point about upside/downside tradeoff for merchants:

The indifferent to mildly curious (majority of people) don't want cryptographic sovereignty and see thus see little payoff to the friction that creates in the maintenance and setup. Instead, they just want a frictionless check out option, and to be paid reliably and conveniently.

Nodeless seems to be addressing the right concern, for a large potential mass of users; nice work.