it's working well enough for many of us that we barely touch bank accounts

where i live, payment cards are in the minority of adoption by local vendors... out of the three grocery/bar places within half an hour walk of where i live, one has a debit card terminal that he has sitting on the bench but not using it and not paying the subscription for the service because he doesn't make enough money nor is there enough demand... local people just use physical cash

so, if you compare bitcoin adoption on the basis of the land area where people have access to vendors who use these cards in the world as a whole... bitcoin adoption is not nearly as far behind it as it may look if you live in a city and 8 out of 10 vendors have card terminals

and for people stuck in situations like the southeast USA right now, cash is the only way, bitcoin is useless also