If you can’t use bitcoin to pay banana hawker, then you use your fiat currency, nobody have said that bitcoin will be used for every transaction, bitcoin was created to serve as alternative currency, so in a place where you think you can’t use your bitcoin to pay, then you make use of your fiat currency, and if you think you can pay with your bitcoin, then you make your transaction with it.

If am buying banana from a hawker, I won’t even try to make transfer from my bank account, sometimes their is always congestion in bank server which might end up delaying the transaction, sometimes it might even take hours before the transaction will be successful. So do you expect me to stay on the road waiting for the banana seller to receive alert? If am buying banana, then I will rather pay with cash than paying with bitcoin or bank transfer.

To avoid unnecessary delay, I will just pay with my cash and move, I won’t have to delay myself because if the banana seller those not receive the bitcoin or those not receive alert, then he won’t be releasing the banana for me, so the best option is just to pay with cash.