Did you understand the credit card system ? I mean if you really want to digging in what going on after you entered your pin you can really be focus because there are a lot to understand. But as user you simply go and pay at the casher and do not worry about anything at all ( if you have funds on your credit of course ). As simple as that works for crypto. But if you are referring to its price I gotcha: nobody can really know what behind the scene right now with all the big investors and FUD happening because it's nonsense to me. However it will stabilise sooner o later, so we can talk - and then start using it everyday like we are used with credit cards.