I have this lingering question which no one has answered up until now:

Since we do not hold cash primarily because we expect it will go up in value; we are pre-disposed to spending cash and not HODLing, because as a unit of value, the amount we hold is the amount of value we expect to receive in exchange, as a result of this premise and it's attendant actions, cash and fiat generally undergo faster throughput in the economy.

Now, in the case of cryptocurrencies, most people who have crypto are saving it because of a belief that it will go up in value, and as a result, there is less throug-put and more volatility, which in turn discourages widespread adoption.

My question is what are the things, technologies, new protocols etc that can make cryptocurrency the preferred option for the exchange of values, on its [cryptocurrency's] road to eventually replacing fiat?