There are plenty of cryptocurrencies out there that don't have the trouble with confirmation times that BTC and ETH do (like Solana, Algorand, Agoric, etc.) You

There are plenty of cryptocurrencies out there that don't have the trouble with confirmation times that BTC and ETH do (like Solana, Algorand, Agoric, etc.) Your points about usability are on-point, and things like recurring payments over cryptocurrency are still very cumbersome (e.g. the payer has to initiate the payment, there's no simple UX to create a monthly bill of any sort.) At the current moment I think there's a lot of value for BTC, ETH, and cryptocurrencies in places/industries where access to stable financial infrastructure is either difficult, limited, or otherwise unavailable. Until the UX problems are fixed I think cryptocurrency will just not find the adoption it needs to drive volume beyond speculation, which is the volume it needs to hit some form of stable pricing.