You cannot roll up to a charger and pay, no, you need an app and an account for each charging network. Then there are multiple kinds of subscriptions where each kWh costs more or less depending on the base fee and much more.
All those charging network owners threw a fit when German legislation started requiring new stations to be equipped with a card reader to accept digital payments without apps from July 2023 onwards by the way...
I agree that having 5 apps and needing a phone is bad, but the cost of the card reader will be passed onto you and less chargers will be available.
An NFC-based solution which worked with a single card or a phone would have been better.
Oil companies are not involved in direct last mile delivery. Electricity providers are already doing that.
I think that would depend on how the market evolves. Currently I believe they are content, as you say, just delivering to the homes and business (offices which provide charging to employees). If this market starts leaning towards solar and the charging station market becomes huge, I think it’d be trivial for these utilities to set up last mile charging stations, or perhaps create a subsidiary to do just that.