This is going to come to a surprise to many on here, but at the moment I'd rather have paper (US FIAT) money. It's something that I would be able to actually use in my life with ease, and even though I love crypto and everything I have to be honest about what I think and see.
Plus for the fact that if i was to have bitcoin right now, I'd be paying a very high amount in fees if I wanted to actually end up using this money.
For payment purposes and easiness then you are right. Bitcoin is too complicated to use to nost people. But atleast in my country we have our own local exchange so that we can convert it to fiat as easy as you might think

And one thing to remember, bitcoin is money too. You can buy anything with it eventhough some requires to be converted to fiat first