in my opinion the use of bitcoin for payment tools can only be used in countries that are friendly to bitcoin. like Japan, Switzerland and and Russia. and if we live in a country that has not yet legalized bitcoin as a means of payment. so I'm sure most of them have never used bitcoin for payment. they only use bitcoin to invest and trade. but I am optimistic now that bitcoin is headed for mass adoption soon countries will legalize bitcoin as a means of payment and make bitcoin a global currency.
its still limited used in many countries only.many government judge bitcoin as high risk investment and has low security.so they restric their citizen investing in market .but as you said ,mass adoption and legalization will happen soon,moreover if ETF accepted by SEC. I am sure another countries will follow US step to accept bitcoin as legal investment ,and adoption will coming soon when it happen.