In our country we have our local wallet where users can directly trade fiat-bitcoin/eth/xrp/bch or vice versa. We can use it to pay bills, services, purchase goods since other merchants accept online payment, and it even use it to directly make a deposit to a bank.
I hope as time goes by, the usage of crypto will not be limited as in we can use it to buy anything.
Yes, it might not be a direct bitcoin-to-bitcoin transaction, but least we can used our bitcoin to buy, purchase goods and pay our bills and for me that is the closest we can get to the mass adoption we all have been longing for.
There are websites that accepts bitcoin as payment though, haven't tried it because I know the custom fees will be exorbitant.