1. Volatility
When you want to buy a clothes, the cost is $100 which valued 0,0022 BTC. After you send it, after 1 day the 0,0022 BTC is worth only for $80... which is you're in loss.
That is why most merchants don't keep bitcoin or other crypto assets. You pay with crypto, but they use a third party that automatically converts the coin into fiat. That way your $100 Bitcoin purchase stays the same (not taking into consideration the volatility and value of fiat currencies).
There are other tokens that are designed to serve as currencies, properly. Ripple and Lumens are precisely designed for that purpose. Ripple and Lumens may go up in value - i hope they do! - but likely not in the extreme ways we've seen with Bitcoin.
When you say Ripple, I assume you mean XRP. Ripple was worth $3-4 a few years ago and now it's valued between $0.40-0.50. I think that's an extreme sign of volatility as well. Not to mention that the Ripple foundation owns most of the coins, which makes the asset a centralized banking coin. I guess they are now selling their assets because of issues with the SEC.