It really is more important to highlight the factors that matter for you and WHY, than just the factors. Because, in the end, people will do what they prefer, based on their own computations.
If the jammy factor matters more, and INK isn't available, the a 2X + decent portal cash = convenient and cheap. If you have an actual business, you can set up an account with an online GC seller, buy bigger denominations, and save on swipes as well as trips in pants, along with paying even less than you do with portal cash. (That used to be untrue; you used to be able to MAKE money with the portal cash. Alas, no longer.)
What works for YOU is what matters to you in the end.