I am very excited about cryptocurrency debit cards. It will bridge current acceptance problem and accelerate adaptation.
I do understand why you didn't talk about Bitcoin transaction fee problem but how to expect everyday crypto usage when fee is bigger then coffee price :D.
Ofc you could use other crypto but for average Joe it is hustle, btc is 50% of crypto market cap, his wife, mother, neighbour heard about some bitmoney etc.
One or two additional actions and you have lost average Joe.
Nice article, you always deliver well written article with great structure.