Same reason crypto won’t take over for payments (even if it could scale).
We already have payment networks that work well. People aren’t going to switch to a less convenient solution to what they already have for <insert political reason about decentralisation/privacy/anti-statism>.
> We already have payment networks that work well.
I assume you don't live in a country built around M-Pesa or EVC Plus, but it's very hard to build banking records around mobile credit. For example, in Somalia which uses the USD, has US, UK, and many other countries financial sanctions. So you trade airtime in the form of USD, but without a real banking infrastructure behind it. There is an increase in moving from this to a crypto-based system over SMS that allows for unique accounts, credit histories, international payments for remittance and micropayments (these SMS tools don't work out of the country), etc... So here Crypto might be the better payment network. Here's a guide for EVC Plus to understand how they trade there:
We already have payment networks that work well. People aren’t going to switch to a less convenient solution to what they already have for <insert political reason about decentralisation/privacy/anti-statism>.
That’s not always good but it’s the reality.