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 am an average person but I do not find paying through cryptocurrency difficult. It is very straightforward just like how you use credit cards or making online payments.
What is complicated is how blockchain works. But average persons do not have to deal with that. Just like how we do not need to deal with how credit cards work. We just swipe them. With crypto, we just scan address, input amount and send payment.