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 don't see Cryptocurrency payments as technically complicated maybe because I am educated but then it goes a long way to show that a greater percentage of the world population is uneducated and informed. It is not a cryptocurrency or blockchain technology problem