This is an eye opener. Thanks for this wonderful post. My opinion about why cryptocurrency is still not widely used especially as payment means is that, cryptocurrency is still very much at it infant stage and it is still very volatile. We don't want to have currencies that's fluctuates at every moment. But i believe with time when the market gets matured and stable like that of the gold Market, it will be wide adopted and use as means of payment.

Btw, i also want to introduce to you a new exchange which solves the problems faced by centralize and decentralize exchanges. This exchange also is a commission free cryptocurrency trading platform that has over 100k users on their waitlist. Read for more information https://steemit.com/digitex/@horpey/wurgadt-hybridization-model-of-digitex-futures-cryptocurrency-exchange