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.
Cryptocurrency is complicated to those who have not really took out time to study it or ask the relevant people to explain it to them. It is just the basic understanding of the computer or smartphones.