The Bitcoin network has shown decent development since its launch decades ago.
A decade is 10 years, bitcoin has been around for 14 #nitpicking
Wallet flexibility
I agree. Your cases could be summarized as a wallet that has a user friendly way of working with Bitcoin scripts. Maybe have at least a dozen different pre-defined scripts that the user can just fill in the blanks to set up. Like the case with locking coins where all it needs is a timespan, the rest like the key to send the coins to is set by the wallet behind the scene.
or a business owner wants to pay his workers monthly salary in bitcoin and he doesn't want to log in every time he needs to do that?
Technically they should as companies do this, maybe someone was fired or new employee came along. There is also changes in price that changes the payment in BTC and things like overtime, etc.
Another possible use case is to prevent any unwanted transactions from coming through. Like only whitelisted addresses can send funds to a specific address, transactions from any unknown address will not be mined in this way, and the receiver address can pay for the transaction fees.
Whether a transaction is mined or not is not up to the wallet/receiver. What the wallet can do is to filter out unwanted transactions like dust spams.
Also, using and securing manmonic phrases or privet keys seems inconvenient for many of us, so using NFT's or some other possible ways to make your bitcoin wallets back up grandma-friendly will be a major development for wide adaptation of the bitcoin network.
I'd say if writing down a set of words on paper is hard for someone then maybe bitcoin is not suitable for them.