Similar to the fact that you didn't need a website to do biz in 1994, but you did need one do more business in 2004.
Most of the efforts so far like x402 I think are missing the point, because it is already super easy for an agent to sign up for a service and make an api key automatically. Capturing & executing business services via api, like perhaps consulting, accounting, event planning, through those entity's specialized agents is the interesting part imo