The problem with crypto being used as a form of payment needs to be fixed by an app or wallet. If that wallet or app instead of sending the form of crypto you are paying with, converts it at that moment to the form of fiat currency and sends that amount. You then dont have to worry about the fluctuation of the crypto value.
I feel until mass adoption occurs that will be the only way crypto will be a widely used form of payment.
Does anyone know of an app or wallet that has this in its roadmap?