Second statement quite contradicts your claim on lack of certainty with regards to the market value of cryptos. We don't even have assurance whether its market value will just be continuously increasing in the future or will it someday be stable and be used in daily transactions. I guess as long as its market price is increasing, it won't be used on daily transactions simply because users will have hesitations whether to use or to just hold because it will be profitable in such way and fiat currencies will more likely be used on transactions because there will be no regrets since market prices are far less volatile.