If I were to ask- I would change all my money to crypto just to make sure that my valuable assets are safe.
It won't be safe from volatility though. Better diversify it to 3 or more assets such as gold (which is currently skyrocketing), bonds, etc.
That being said, I believe contactless payment alternatives other than crypto has been used since years ago. NFC payment card, or using your phone to pay is relatively familiar for South Korean for example. I won't be so optimistic about this. Better spend the time to develop and increase more nodes to strengthen the network.