The 2 biggest hurdles are

1) Getting crypto into the hands of people who don't have it so they can spend it, this would require banks or money services such as paypal/western union etc to offer easy, fast, and cheap crypto funding into your wallet.

2) Getting people to spend it, tougher in a bull market as there is the mindset of "losing money" and because transaction fees jump.

At the moment its vastly easier, safer, and cheaper to opt for using your credit card over crypto especially for people who don't have any yet.