I would not say failing, because you can already buy most things directly with crypto, even though the number of such shops is still limited. But it is quite difficult with the currency function, why would somebody spend something for goods or services if he believes that the price of this something (crypto ) will significantly grow in the future. Therefore fiat payments will be prefered by such believers, which is quite paradox, because it postpones the adoption of crypto and its practical usage in everyday life.