Because there's no need for them. Your average person, even your average tech savvy person gets by comfortably with a credit card, checks, cash, and Venmo. Why

Because there's no need for them. Your average person, even your average tech savvy person gets by comfortably with a credit card, checks, cash, and Venmo. Why would anyone use a less well understood, harder to use, less ubiquitous, and unstable currency?