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.
Maybe for others it is complicated because of the situation of the bear market I guess.
But for me, it is not of course. Instead it is a good chance for us to take advantage to buy those coins that are potentials before and now suddenly dumped its price value.