I think your average joe does not really care about whether it is anonymous or not. The biggest impediment to widespread adoption is that it requires too much of a learning curve. Once sending crypto becomes as easy as sending a tweet then you will see the mass audience and not just the technologically savvy adopt it.
You are right, the current obstacle is that crypto transactions using the blockchain network are still very much affected by the transaction traffic that occurs. because it can affect the speed of the transaction. the bad thing at this time is that it still takes less time to make a transaction. that's what makes crypto still difficult to be used as a means of payment.