In the US, places that are "cash only" are pretty rare - so many places take credit or debit.

Right now, crypto is like "cash only" so pretty early.   And BTC has been so wild both in price and transaction fee that IMHO, it's not dependable.

When we can use crypto at like half the places I'd say that would be pretty good.

The US may not be the best example because Asia has had cellphone-based payment for years and it is just starting here in the US.