Centralized financial companies are constantly working on solutions to make transactions between different parties as easy as possible, however, the cryptocurrency and blockchain payment solutions are very complicated for the average person to use.
Until this is put in check, cryptocurrency payments will never have a chance to overcome fist.
i think you are right, crypto transactions nowadays are very complicated, especially waiting time for confirmations, most of cryptocurrencies are taking so much time to complete a transaction, so unless we can finish this problem, we will not be able to use cryptos in daily life soon.