What are the reasons, why people use Cash or Credit Cards / ATM / Banks?
* Work offline 100%
* No fees.
* Accepted for Food Shopping & Micropayments
* 0 confermations time
* 0 exchange risks
* anyone is able to understanding of the value of payment
you are not prompt to said but it was used to be used over bitcoin which is a good value of a real time to determine and it is not changed too many.