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Description
SPSP is not ideal for users who don't have a personal domain name. IMHO we need something easier.
The end-to-end nature of condition-fulfillment is ideally suited for allowing both sender and receiver to run only a client-side wallet, where their private keys are never uploaded to any server.
An easy way to do this if sender and receiver bootstrap from a pre-existing secure channel (e.g. WhatsApp), where the receiver sends a string shared_secret@address directly to the sender. For many people this will sound easier than to set up a hosting account, register a domain name, run some docker-compose, and publish these same two strings on some https://mydomain.com/spsp/v2 URL.
However, sending a string that contains a secret can easily lead to user errors where the secret is leaked. Therefore, I would propose public_key@address instead of shared_secret@address.
The receiver would still have to make use of an Interledger Service Provider to get their address announced, and their client needs to respond promptly to each incoming payment (maybe use a smartphone push notification for this), but IMHO removing the reliance on personal domain names and personal hosted servers would greatly simplify our product(s).