Let's think logically. The use of cryptocurrency as a means of payment will be massive as soon as there is more confidence in it. And trust will be when the course of the coins will be stable and adjusted.
It sounds good, of course, but the cryptocurrency will be regulated for a long time, since each country has its own views on this matter. Some perceive it as money and others as property.
It will be regulated for some reasons but crypto is crypto, we can use it without regulation and I think it will just depend on what country you are living.
And what we need to expect is that there will be more people that will start using it few years from now. It's popularity is unstoppable and knowledge about it by the people is growing.
in general - yes, crypto is crypto and it could not be regulated totally.
still if it is not regulated - it will not be used as a payment method in offline.