What’s stopping crypto payments from becoming normal?

From the business side, accepting crypto is technically much easier than it used to be.

But actual consumer usage still seems far behind what you’d expect.

For people here who genuinely use Bitcoin/BCH for payments:

What is the biggest thing holding everyday adoption back?

• Too few merchants?
• Poor wallet UX?
• Tax friction?
• Volatility?
• People simply preferring to hold?
• Not enough reason to switch from cards/cash?