The picture is not so unsettling. Don't you forget about ModulTrade. They sell their products for crypto and give an opportunity to take/pay loans without interest. People won't miss the chance.
You are right, but we are speaking about classical marketplaces that don't want to add crypto as a payment method so far. It's just because constant rate fluctuations. The fact there's such platforms as MT and other crypto based online stores is great. But that's not enough to improve the situation significantly.