all coins have different programs, and I don't think that for the majority of all coins for a customer, crypto, known as a virtual currency, is only in the form of data and a system, for a real payment it must be exchanged for banknotes Also, what happened to XRP, XRP also kept in touch with the bank for a real payment
the problem is whether xrp can become a global payment, not the problem of other coins having different strategies.
You got the point. If only one of the cryptocurrency is widely accepted in payment, the majority would TRUST the value of cryptocurrency. I hope XRP could be the pioneer.