I think you're missing the problem. There is no dummy friendlyness that take away the constraint that you need a large investment of capital to make small payments reliable. No one is going to buy a modem they need to put $1000 dollars into, spend $20 to get the $1000 into it, just so they can now make a $50 payment that still fails half the time unless they add more capital to it.

The only expensive part of a node is the storage, and that may be temporary. Nobody has even tried to make a commercially available consumer node yet, it's enthusiast only at this point but doesn't mean that won't change where you can get one at Walmart for 79.99 someday.