From careful observation, it's becoming clear that it may be hard for crypto to go mainstream without the involvement of the payment sector. Whenever we talk about cryptocurrency payment, we quickly want to adopt Bitcoin. I think we are all getting it wrong here considering Bitcoin's high transaction fee and relatively longer confirmation time compared to other crypto stablecoins or other faster crypto assets.
My personal take, however, is that, for crypto to go mainstream and the impact felt, the focus needs to pivot a bit away from Bitcoin. Yes, it is the first crypto, but at its present state, it definitely cannot fit into every area. This is my opinion, if you have something contrary, I will definitely love to hear them.
I think you are just focusing much on Bitcoin to be adopted to the mainstream, But as you said the hindrances are showing in front of us, like the slow and high transaction fees, etc, But if the Bitcoin Lightning network was push through I think it is much different scenario, Let's go to the larger picture cryptocurrency was already adopted in the mainstream for the cross border payment solution and it's Ripple's XRP in fact in my country it was already used for overseas remittances. the transaction is almost instant with lesser fees, thats why it's not hard to adopt it.