Right—but, considering that porn sites famously have tons of trouble with traditional payment processors, if crypto were both practically workable for normal people as a payment method, and actually good for that, in terms of having significant advantages over their halfway-adversarial traditional payment partners, it should be dominating the industry.
I can't believe I'd never made that connection, but it's dead on. If crypto can't even take over porn payments, which are practically an ideal case for the technology, it's not taking over anything else meaningful, either. Now that it's been pointed out, it seems obvious.
( note to self: keep an eye out for headlines re: Mindgeek or similar creating a crypto currency, and invest in it pronto if that happens, because it'll mean they found a way to make it broadly useful )