Any distributed p2p, digital currency which relies on trust to make it work is nothing more than a horrible mistake a best, and at worst it's a scam.
As soon as you make that trust sacrifice, you might as well throw it all in the bin and use VISA, which has none of the drawbacks associated with crypto, and is already accepted everywhere.
If you think it is better to use VISA it feels like you see more drawbacks in crypto rather than benefits. Maybe you don't want mass crypto adoption and use it for your everyday payments.