The global economy is nearly 80 trillion USD per year. Payments using any type of cryptocurrency as a medium of payment is a tiny fraction of this total.
What are some of the reasons preventing cryptocurrency from being more successful as a medium of payment?
At this time crypto has not become fiat. Later, if all of my time comes and we can all send crypto to someone else in the world, or in the city, and they can accept it and easily turn it into a fiat, or vice versa, crypto will just be a long story and die.