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Mass adoption is stuck mostly on volatility (merchants hate price swings), slow/expensive confirmations on some chains, regulatory uncertainty, and simple UX - most people don’t want to deal with wallets, gas, addresses. The workaround that’s actually moving the needle is wallets with instant fiat conversion at point-of-sale via virtual/physical cards. You hold crypto, merchant gets fiat, you barely notice. It’s how I pay for a lot of everyday stuff already. This one focuses exactly on bridging that gap: https://plumex.io/ - they explain why direct acceptance is slow but spendable crypto is ready now. It’s not perfect (still fees, not every country), but it’s the first time I feel crypto can be “normal money” for regular people. Direct POS acceptance will probably take another 3–5 years at least.