bonds
I think in such an economic condition, bonds are risky too because if huge inflation happen (which is not impossible), bond will be returning nothing.
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.
Yes, you are correct because most people don't know about crypto. In my country, people will take bkash as contactless transaction and it's available in most of the shops.