Google wouldn't even need to create a "token", just let you store USD in your Google Wallet and let you cash it out when you want (venmo style). The user already has a way to pay online: their credit card. So: no new merchant integration to build, $0 fees, no security deposit (vs lightning network), no verification documents to submit (crypto exchanges), no network backlog (due to full blocks or ICOs happening).
It would just work.