To answer the question as to when that will happen, first ask why that would happen. In short, what would be the advantage to the average consumer to purchasing a bottle of water using a static Bitcoin wallet versus using physical cash or a credit card connected to a financial institution?

Right now, all the average consumer would notice about the Bitcoin method is that it's a lot slower and a lot more expensive and most vendors don't accept this form of payment besides.

Credit card transactions almost always complete in less than a second, and the worldwide infrastructure for credit cards handles over one million transactions per second during peak periods and billions of transactions per day. To my knowledge (correct me if I'm wrong), there's no blockchain-based infrastructure that's even remotely ready for that even in theory.

Of course crypto has tapped into a half trillion dollar business in speculative investing, and it handles that consumer need just fine. Maybe nobody has solved this problem because there's no need to.