gotcha - the server is the part i was assuming out of my picture. it's a nicpicky detail, so i won't belabor it - but there is a small difference in accountability and liability (as a developer and maintainer) if you're running a server that explicitly provides this service to users of your app, vs distributing client-side code the users do whatever they want with.
anonymously provide some html and js, on the one hand. vs running a server that explicitly facilitates money transfer for unknown users on the other.
like i said though, that's a tangent to the ux point and i didn't know about the path you described wrt npub.cash auto-receive and smushing it into a client application. thanks for addressing that
