Have you started using BTC for small daily transactions via Layer 2? What’s the biggest hurdle: UX friction, merchant adoption, or trust in stability?
No, although i make payment for few online services using Bitcoin network itself. Aside from what other member said, Bitcoin isn't legal or have unclear legal status as payment option/currency on some country or region. This is ironic when government claim they support Bitcoin, but only make it legal as investment asset or property.