There are many reasons why people should pay with crypto, your pocket is free from cash. Secondly, using crypto to make payments cuts off the third party; the bank, these and more. A few years ago some top ambitious people wanted to make BCH accepted as a payment system, one of the considerations was transaction fee and speed. These two are important to be consider
In Europe people's pockets are already almost free of cash. We pay with a waving of the phone. Cutting off the third party has never motivated people around here, a majority is happy with the service banks propose. For consumers, bank-based payments in Europe are fast and free (they don't see the cost to the merchant, not the cost to maintain a bloated financial infrastructure). So ... thank you, your arguments might work in certain geographies, but not around here.
crystal clear