I found it kinda hard to pay with BTC few times. Because the volatility so high, many times I 'm feeling FOMO and I actually use fiat instead.
Does it happend to anyone else here?
Yeah, people afraid of big volatility of BTC and other criptocurrencies. Mostly people buy BTC as investment but not for payments
If the price was not crossed $20k margin then people may use it for payment mode, now everyone knows the price will again rise so nobody will show interest to lose there BTC to buy some daily stuff. as you said people are treating BTC as an asset.