The situation with the use of bitcoin as a means of payment is indeed a big problem for cryptocurrency users. Bitcoin is now bought mainly as a store of value, hoping that due to the rise in its price, it will be profitable. Therefore, it makes no sense to buy goods and services for it, because the transaction time and transaction costs are large compared to other cryptocurrencies.
It has been proven that USDT is much more suitable for payments, since people get used to use USD as base unit of value. Mortgage BTC and get USDT loans would also remove the difficulty in calculating capital gain/loss tax