The reason it is probably hard to rub in is because it likely has Zinc. Zinc makes it harder to blend but is one of the most important ingredients in sunscreen, and is in many particullary baby and kid formulas.
I LOVED the NoAd Disney sunsreen with Ariel on it (spf 50). Yes, I bought it for Ariel the first time but bought it for several years because it was great. This year I could not find it anywhere so I just bought a plain bottle of NoAd and it was awful. After trying many brands I am now back to Banana Boat and like it (as well as I can like the Zinc stuff.) With very fair skined children we always go with a Zinc sunscreen. But believe me, i wish there was a better way.
We liked the sprays, but found we used an entire bottle in one day for our family, no joke. That adds up after a long summer...