This product helps people who already have bitcoin convert it to fiat more easily and offload the bitcoin->fiat conversion fees onto the merchant. Is there a m

This product helps people who already have bitcoin convert it to fiat more easily and offload the bitcoin->fiat conversion fees onto the merchant. Is there a market for this? It simply uses bitcoin as a store-of-value instead of fiat in a bank. Unless you're in the tiny minority of people who can acquire bitcoin but cannot acquire a bank account, I don't see the benefit to consumers or merchants. Not to mention with bitcoin's current volatility it is rarely appealing as a store of value. (NFC seems to be another problem, but other commenters have discussed that well.)