I think your wrong because we believe crypto currency been already using as alternate payment option.for some poin yeah they right in processing of paying item there is processing fee.I've been tried to pay in dragon pay using bitcoin.there is company accepting cryptocurrency for payment.and as of now I heard a new crypto called libra that come from facebook.this also called facebook coin.this is a new crypto that can be use for o
Paying items or even transferring money.it is like a bitcoin that can be use where ever you are.also can be cash out paying a small amount of processing fee.so I believe that more altcoins will come soon that crypto currency is a new alternate payment option.