It's not as easy as you think it is. Crypto due to its decentralized nature will always lag behind centralized currency incentives when it comes to usability.

The average joes are perfectly happy with how things work already; what incentive is there for them to shift over to pay with crypto currencies? They don't care about decentralization, they don't care about financial institutions isolating and controlling their finances, etc. They just want to settle payments instantly and without the hassle of keeping an eye on what the value of their currency at that specific time is.

I think this is actually a good thing. Bitcoin's blockchain would literally explode in size if we would ever get to experience mass usage, even with LN. The less mass usage Bitcoin enjoys, the longer people at home can run their nodes without having to worry about disk space upgrades.

If Bitcoin would be the ultimate alternative currency, governments years ago would have done everything to ban the crap out of it. No mass currency usage = freedom for Bitcoin to grow.