Another obstacle is fees. People don't realize fees in electronic fiat in the same way they do in Bitcoin. In Bitcoin, fees are direct. You make a transaction, you set the fee, you have a pretty clear understanding of where this fee goes, and the like. In fiat, there is usually no fee projected. The merchant has agreed with the credit card company to pay the fee, but this fee isn't apparent from a customer's point of view. The average customer doesn't know that there is a fee, but there is. And the funny part is that whether you pay with credit card or with cash the price is the same; obviously, it's not in favor of the merchant to have different prices with different payment methods, so it gets more complicated, and cash users pay part of that extra credit company cost too.