I always wanted crypto to be used for payments in my life, and I can't encrypt crypto anymore, but I think it can take a long time to fulfill these wishes.
It seems to me it'll take too much time or will happen very quickly. Everything will depend on a concrete country and the adoption of laws on the legalization of cryptocurrencies and implementation of a blockchain in payment systems of some banks
Perhaps I still can not fully understand this situation, but some banking structures are already testing the block chain on their systems, but at the same time, the state is very negative about cryptocurrency. I do not know how things will continue.