But why have it be Opt In? I'm still having to convince business owners that would never know I'm paying with BTC. On By Default to USD is what we need.

Sorry man, filters don't work. Look at the sub sat transaction research. Flip it over, imagine you want to stop me from putting a consensus valid (this is very important) transaction on chain and you have 90% of nodes. Research shows you cannot stop me. Again b/c my transaction is consensus valid, filters are relay policy. If filters actually worked an attacker could easily spin up thousands of AWS nodes and eclipse the network. Bitcoin would have very little value b/c that's not censorship resistant. BTW I fucking hate ordinals and OP_Return increase, but this ain't the solution.