Every financial transaction, no matter how simple or fast, has non-monetary transaction costs. For example, the mental overhead of making a decision “is it worth it?”, even for tiny amounts, adds up. In a world that is fully monetized and filled with micro transactions, the non-monetary transaction costs would be stifling.
Having services available to everyone, paid for by tax dollars, decreases these costs. No one needs to weigh the cost of going for a walk in the park or whether or not they want to flush their toilet.
Read Web3 had better not be Transaction Cost Hell from Noah Smith.