For me, I would like to see more merchants willing to accept cryptocurrency payments, but I will not use cryptocurrency for payment.
I don't understand this, why do you want merchants to accept bitcoin when you are not ready to spend it to buy their products?
If you simply want them to adopt because the prices are going to be increased when it happens then at some point the bubble will burst. Anyhow when companies starts accepting then majority will spend on it then it will help the adoption not you buddy!
I guess she just wants to see the merchant's number will rise by accepting crypto, but she will not try to use crypto for payment. If that so, he only want to use crypto as her investment and not using for the payment system or she only wants to make money from crypto. That will be okay because we know that crypto can use for the payment method and the investment method and that will depend on people themselves which one they will use. All of us will have our reason for using the crypto and nobody can force us to use crypto to be the payment system.