The other issue which kills wide adoption is price fluctuation. People using it as a regular currency need their account value to remain what they expect it to

The other issue which kills wide adoption is price fluctuation. People using it as a regular currency need their account value to remain what they expect it to be. High viability strongly repels regular users and attracts high risk speculators. And maybe that is a fun outcome but it does make it unusable as currency. It's still worth accepting on principle of course.