Unfortunately, I do not use nor do I see much use of bitcoin in the USA in this fashion today....hopefully that will change one day.
I don't think it is an unfortunate situation. Bitcoin has been around for just aove 10 years and has made lots of progree within that time frame. Adoption rate has been actually very quick, and thebfat we are having discussions about global adoption shows the potential it has shown. Fiat has been around for a very long time (centuries) and has evolved over the years to what we have today.
I would like like to hear from bitcointalk members about what barriers YOU believe are preventing you from using bitcoin today.
One of the major barriers is its speculative value. The price is volatile and overtime has shown to mostly appreciate. This potential ROI limits a lot of people from spending their bitcoins and it is viewed as an investment.