Maybe people never will get beyond hoarding, but the ability to pay tax directly would make a huge difference to people earning in crypto. No dicking around with exchanges, no bank account hassles.
Oh I agree!
But unfortunately, people were given the option, decided they didn't want to bother using it. The Ohio people decided it was too expensive to maintain a system that no-one is using. And New Hampshire looked at their experience and decided not to bother either.
You see a similar story with ecommerce. A business enables bitcoin. No-one uses it, but it's a hassle to maintain the wallets or maintain the upgrades demanded by the payment processors. And when the costs exceed the benefits, it gets removed.
The biggest problem with bitcoin is the community. People talk about how lovely it would be to have this that and the other, but never actually support anything with use.