Electronic money is not considered an official means of payment in other countries. Because most of the transactions through the code thanks to the network connection on the computer. And in particular it is not the official currency used it is not protected by law.
In many countries most payments are not cash. For decades electronic payments and cheques have far surpassed the number of cash payments.
So, I'm not certain what you mean by "official means of payment" because neither electronic payments nor cheques are an official means of payment, and these are widely used.
Cryptocurrency payments or "crypto payments" are a type of closed-loop payment.
http://www.intelligentvenues.com/faqs/what-are-the-differences-between-open-and-closed-loop-payment-systems/Just like any other closed-loop payment system such as a credit card, it uses a system of ledgers to track amounts among accounts of consumers, merchants, and banks. These too use a system of electronic codes that pass through a computer network. Functionally, crypto payments work like credit card payments.
Now, I don't believe anyone has. Card interchanges such as American Express or Visa do offer fraud and other protections to consumers. Crypto payments do not.
I do not believe this is something consumers are aware. So, I doubt this is among the top reasons why crypto payments are not widely used.