One of the large things stopping people from using Bitcoin is the fact that bitcoin is still considered an asset and not considered a currency in most countries. This stops a lot of companies from taking bitcoin because they do not want to deal with their asset taxes. Just my opinion though.
You are correct. And also, people are not yet aware of it as an asset or as income generating digital currency. The common people would just shy away from these kinds of things because of the instability and the unsecured nature of cryptocurrencies altogether.