Bitcoin is still not a really user-friendly way for p2p transactions/payments.

Another paradox is that BTC and other currencies are now actually LESS secure than fiat money if we take regular people.
You can't claim lost private keys or make a chargeback on a transaction. The more user-friendly your wallet is (password reset, touch ids, etc), the less secure (meaning storing private keys on-site).

The third reason is speed — with 400 (do not remember exactly) operations per sec at Visa, BTC and even ETH have a long way to go. Sadly, "decentralized" doest not mean "fast".