The reason is that crypto is only starting to become popular last year so it still need a lot of time until normal people and business know about it and decided to adopt it as one of the payment option.
Yes, it will take some time and a lot of effort to get the public to understand how it works, why they should trust it, and why it is better than existing electronic payments, especially credit/debit cards.
It's similar problem to the early 1960s when Bank of America introduced the "BankAmericard". They and American Express were trying to get the public to understand what a "credit card" was, how it worked, why they should trust it, and why it was better than using cash or cheques. It took years and hundreds of millions USD in advertising to make it a widely use medium of payment.
Government also one of the factor of this slow adoption because they still want to regulate crypto before allowing business to accept them.
I agree.
What most governments want is way their regulators such as tax authorities and custom agencies can effectively regulate commerce paid with cryptocurrencies. Existing blockchains make this virtually impossible because,
- they conceal the identity of payer and payee
- they conceal the nature of the transaction, where it is impossible to know what was purchased, what, if any, taxes were paid, or the tax nexus of the payer (buyer) and the payee (seller)
