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.
yeah, we can use cryptocurrencies in countries where they not restricted by law, but the main reason why we don't use it as the main payment method is that a small number of shops can take cryptocurrencies. I used bitcoin in commerce but it only for selling/buying digital goods, because it's not simple to buy food or something similar via bitcoin.
And the number one reason too is because of the volatility of the coins, as some people prefer to hold it rather than spending it, most people nowadays would prefer investing as they know the potential value of Bitcoin in the future, especially that the number of users is increasing every day and the adoption is continuously increasing that even companies are adapting blockchain, even banks.
Only bitcoiner have legal currency in their country use bitcoin for transaction payment, if country not allowed using bitcoin only for investing and trading, little country allow using bitcoin as legal currency and most country in the world not available bitcoin as legal currency, I use bitcoin for investing adn trading but some time make purchase with transaction payment to buy online shopping.