Hey jatoman,
I think the largest reason crypto is not yet successful as a medium of payment is because it is a complicated technology and it is marketed like one. Furthermore, buying cryptocurrency and using it is much more difficult than fiat currencies. As crypto gets more exposure and better understanding, its use will increase.
Best,
CafeCoin
https://cafe-coin.com/Yes, I agree there needs to be innovation to make it easier for consumers and merchants to use and accept crypto payments. It needs to as simple as paying with a credit/debit card.
And, your point about exposure is right on. There needs to be promotion of how crypto payments work, why people should trust these, and most importantly, what about crypto payments is better than traditional payments such as cash or card.