The important point here is that cryptocurrency is a new innovation, only a decade old. So that this ecosystem is not yet widely known, although it is widespread on the internet, but its scope is still not comprehensive. In addition, cryptocurrency is full of controversy, so ordinary people would prefer to avoid it. Another reason why only a few use cryptocurrency as a means of payment is that cryptocurrency is more effectively used as an investment and commodity trading tool, I think so. Instead of using cryptocurrency as a payment tool, I prefer to use it for investment or trade it directly on the exchange.