And that's why people only carry a certain amount of cash and why many choose to use credit cards.
So your opinion is to forget about mass adoption all together?
I've spent the best part of the last couple of years discussing the distinction between deflationary and inflationary currencies and their mutually exclusive priorities regarding price stability and store of value with regard to mass adoption.
I've also campaigned for fiat gateways for Dash so that value can be held in Dash and spent in the prevailing currency of the day in order to decouple the conflicting priorities of a deflationary bearer token and a stable trade currency. I've discussed Dash's internal economic model, external economic model w.r.t. other cryptos, fiat, various aspects of the financial system such as units of measure and trade clearing facilities.
The appropriate case for implementing price stability, identified account holdings, support for national currencies and obfuscation based 'privacy' is the system on the left (variable supply/unit of measure state currency).
The appropriate store of value in that case would be the one on the right (deflationary currency) which is necessarily volatile (otherwise it can't store value), transparent, unbacked and otherwise represents 'bearer-token' properties.