I believe one of the major setbacks of the present crypto space is a lot of new projects are focused on providing the fastest easiest crypto coin to be used for payment purposes and transactions however considerably lower effort is placed on the vendors who are actually going to be accepting payment in form of cryptocurrencies because what is the use of having a crypto payment card full of money that you cannot spend.
Whitmore payment gateways a inform of PayPal and the likes accepting crypto payments from multiple coins without necessarily issuing their own coin then there will be better adoption of cryptocurrencies by both business owners and customers.
You are very well learned, developers forget that for adoption to be observed by the masses they need to carry the merchants along. Developing wallets and cryptocurrency without incentives to the vendors will omly lead to slow adoption of cryptocurrencies.