The second problem with payments on cryptocurrencies is that they are incredibly inaccessible for the average person. To pay with cryptocurrencies, one needs to own it in the first place. It's very difficult to own cryptocurrencies as opposed to fiat currencies (e.g. you get paid in fiat) today. To do so, one either needs to set up an account with a cryptocurrency exchange and wire money to the exchange, which is a long and arduous process, or go through the riskier option of over the counter purchases. Why would consumers put up with this overhead when they could just pay with their credit card or even with a payment app like Venmo? It's not like cryptocurrencies provide any benefits to pay with. Payments through credit cards or payment apps are just as fast if not faster and one often gets cashback with credit cards. To make matters worse, paying with cryptocurrencies introduces volatility risk, as I described above.