I think I agree with the hacker new hivemind, but I think I formed the opinion separately. I did a few small transactions with bitcoin ages ago, and it was a huge pain. Buying the bitcoin was painful, and then I couldn't send an exact amount, it's better to receive change to a different address, and the fees weren't as cheap as I expected for small amounts.

I often hear this has been solved with additional layers, and I see that you mentioned Ethereum instead of bitcoin. Is that significantly easier? $0.25 is not bad for $10, so the fee seems fine. I'm accepting money in an envelope as a solution, and that costs more, but I'm keen to hear whether this would have been easier.

Bitcoin maximalists have purposely ruined the cheap transactions on Bitcoin (in order to sell their own centralized solution) by limiting the block size. If everything had gone according Satoshi's original plan, we would have transaction fees in cents today. That's why I mentioned Ethereum, because it's eating Bitcoin's lunch in cheap transactions and contracts.