I totally agree with you I find it rather amusing that coinbase are trying to encroach on the space of PayPal with their new coinbase commerce it totally defeats the purpose, for the exact reasons you mention.

With regular mainstream banks chastising the procurement of crypto. Exchanges like coinbase need to be doing more to help their client base as opposed to coming up with hairbrained ideas of how to spend their bitcoin, most likely to be penalised by exuberant transaction fees. Just in the hope they can say they are competing against pay pal.

We have to have easier access or better means of buying crypto, however I think this is just another means to austricise those underbanked or unbanked. And prevent them from reaping the benefits of the crypto space.