If the time it takes to use a mobile to pay for something is the same as paying with credit cards, I don't care which one to use.
Payment processors like Coinpayments, could pave the way for adoption. even somebody like me, could make a coin and accept it as a payment. imagine if you could visit btcforks.org and hire a prostitute near you, if you had any activity tokens to pay for her. you don't have ACY to pay? you could exchange whatever kind of currency you have on the spot, and pay for the prostitute in a few seconds.