InsightsTrader Review - Forex trading Australia

Do any of you foresee a crypto being widely adopted as a general purpose payment coin? nano, btc, btccash etc (take your pick). I think it won't happen for reasons in this post. What do you think?

What do you all think of payment coins in general? I've got a list of points why this wont happen, i mentioned them in the thread on this sub, asking if btc deserves its market cap. Figured it might deserve its own post.
I think a payment coin (btc, nano, btccash, etc) being widely adopted as an alternative to fiat payment wont happen for the following reasons:
ive mentioned monero. (not trying to shill here, insert other private payment coin here) it has the flaws of point 1 which is huge, so wont be adopted widely for general payment. however its fungible, people cant look up how much you own. transactions are anonymous. so even with the problem with point 1. privacy even at a cost has value and good use cases. hiding money from the govt, transferring it overseas. nefarious activities, e.g. buying drugs online. but those are niche use cases. so i dont ever see monero or another private coin being adopted for general payment either.
if a payment coin can some how exist in the future where it resolves the points i mentioned e.g. holding its value to fiat, then id be interested. however maintaining the value of a crypto relative to fiat would require financial instruments like hedging which would increase the cost of using the crypto for payment thus potentially making it moot for general payment for any cost advantage. the charge back problem could be solved by say a company providing an equivalent type of crypto credit card without credit (or with credit), but this would incur cost of using the crypto, banks make this money back with interest, which is very high, credit cards its 25% or so in Australia.
So given all these points, and the above paragraph where i see the only feasible way a general payment coin can exist (which would render using crypto in the first place pointless). do you agree? or think that its possible for the wide adoption of a crypto for general payment?
edit, i realise that there is more to crypto then payment which many cite without addressing my points, i find payment coins the least promising out of them. dApps and remittance focused coins for sure. other platform based ones like oyster too, perhaps icon and ark but i need to get a better understanding of them. right now i own xrp, xlm, xmr, ada, eth, prl, iota (possibly payment yes, but has data storage on the tangle thus is useful in other protocols as its ideal for static data storage and retrieval e..g video streaming, oyster pearl is using the tangle for just this reason), neo and ont.
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