You've hit on a really important point. I thought the same thing until I read a surprisingly thorough overview of exactly this topic. The article at redresscompliance.com/crypto-onramps-in-2025-gateway-to-web3/ does a great job breaking down the current landscape - it covers everything from traditional exchanges to newer methods like social login onramps and embedded wallet solutions. What I found most useful was their analysis of how regulatory changes are shaping the user experience differently across regions. It's written from a compliance perspective but actually explains what real-world onboarding looks like now.