Before the government enforced credit cards and made them mandatory it would have been really hard to buy a sandwich in bodega with a credit card too. Not sure where you live but these days in most places if you want you can literally pay with all sort of service, they have these big cash registers with the screen that accepts all soft of payment youtubers advertise for.
Crypto is not a usable currency for the vast majority of people.
There aren’t any limits that prevents the majority of people from creating a crypto wallet and using cryptocurrencies