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I think the thing with Coil is that they need to control the size of payments for their system to work/scale. Their product would be a lot more complex if you could subscribe at different levels, or tip.
I think that means it's another product (possibly from Coil, but could also see someone like Uphold, Mozilla, XRPL... doing it) to deliver on tips and/or user controlled payment rate. The flipside of that is that it results in a more complex user experience - you could do something today that hooked into an XRP wallet, but now I need users to create that etc. What's (very) nice about Coil is that it's not really about cryptocurrency from the user POV - I pay USD & get to pay the people I read/watch/listen to - neat!
Also, maybe (maybe...) larger payments are a ~solved problem. I can send you money via PayPal, I can support you via Patreon etc. Maybe that's a different thing?
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