I think cashapp is the closest implementation of an on ramp for the masses. Of course I am aware of the KYC/AML requirements of services like cashapp but just for usability, scaling, and mass adoption I think it’s top shelf. My hope is that a more privacy focused iteration comes along or one of the bitcoiner’s great builds become ubiquitous but until that happens most will use the existing on ramps like cashapp/Venmo/PayPal/exchanges.