I have not used it at all, because in our country there are still appeals about the dangers of using crypto so that almost all fields have not supported crypto transactions and services
maybe at this time we are with the state and the government that limits us from being able to use crypto currency as the prevailing currency but one day I am sure that the legality of the government can all happen
I think legalization is not big dea, as I have seen allot of governments legalizing bitcoin and crypto currency, so in my country it is not very hard to use crypto currency for daily life purchasing as I have no personal experience but my friends says it is awesome feeling to get anything with a single click and service is too fast for transaction.
Governments and banks are playing a big role in our lives. Look at the early beginnings of crypto, some merchants started accepting crypto when there were no laws about crypto at all. People can organize without government and banks help, people can survive without them, that`s the point of crypto. But merchants needs to start accepting it, there`s a need for online services for paying bills with crypto (like there is in some countries), and in the end people needs to use all that. People around me are now more aware of crypto, but they are still not ready to use it, it`s like that when you live in third world country where people are very traditional. That will change with time, for some regions and people this process will be slow but they will adopt crypto sooner or later.