I totally agree, but it isn't that easy to get into cryptos and such for average people. I think that the ones who can get the most out of this system are big corporation while most smaller businesses will struggle to adapt. Just an opinion from somebody who is trying to educate himself on this stuff :)
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I think they younger generations' businesses will adopt it faster than bigger corporations.
Having said that, I am in my mid 40's and I am looking for a solution like this so I'm not having to use 5 different wallets depending on who want's to pay with what. My businesses are very small, 2 person's each. Other than my own anecdote I don't know how to address your concerns other than to say sink or swim.
I said in another I had missed an important part: they convert your coins to your local currency instantly.. now I feel like an idio but hey gotta learn the hard way sometimes ;) thanks for the discussion!