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.
While ease of use is of paramount importance, I think the issue of education should come first. Many people still don't know what cryptocurrency is. To make them even think of using cryptocurrency, they will need substantial knowledge of it first and cryptocurrency projects should first take this into consideration when bringing in new customers