You don't seem to understand the way new technologies get optimized over time. The Internet was invented in 1969 and it took 30 years before it was ready for average people. Of course, when crypto is ready for mainstream you will be able to pay for anything with any token. Cross-chain atomic swaps and decentralized exchange will be buried at the protocol level and invisible to the user. That's what is being built. Capital gains will go away when people are using crypto like it's money. The governments cannot keep up the facade when their rules are in violation of basic reality.