The technology exists for merchants to enable crypto payments, but that doesn't mean consumers want that option. On the consumer side, exchange rate volatility, regulation, security, privacy, and education are issues of concern. Globally, crypto payments would enable commerce for the roughly 2 billion unbanked adults. However, for a more developed country like the United States, consumer expectations are higher than the experience offered by crypto infrastructures. Using crypto payments means headaches like paying capital gains taxes and forgoing chargebacks and other protections. And that is if you know how to buy bitcoin, ether or dogecoin.