1) Volatility is relative. USD Stablecoins are not volatile compared to the US dollar. It's the same. In other countries, the fiat currency is much more volatil

1) Volatility is relative. USD Stablecoins are not volatile compared to the US dollar. It's the same. In other countries, the fiat currency is much more volatile than ETH or BTC. Like I mentioned above, 5+ years ago there was a push for retailers to adopt this stuff, but at the point stablecoins were not around, or unusable due to slow transactions or high fees. That's no longer the case. 2) True, I think the negative image and bad UX of retail crypto is a big reason of why retailers have not adopted it. I'm not sure this will continue forever though. 3) I would add that taxes are another reason retailers are vary of adopting crypto. Depending on the country, dealing with crypto taxes is a pain, and not worth the effort. The magical solution? It's time, competition, and the free market. If crypto is truly cheaper and easier to deal with, startups will push it onto retailers to replace credit card incumbents. But these things don't happen overnight.