How far in the future will crypto be commonly used for transactions?

Open minded but not seeing the future of crypto far as transactional use.

1. People anticipate crypto rising hire so are reluctant to use it in current transactions. Will crypto reach a stable level in our lifetime ?
2. Gas fees don’t make large transactions.
3. All Bitcoin will eventually be mined. Doesn’t this incentive developers to create alternatives coins?

What am I missing? Maybe evolution of crypto? Is crypto landscape going to be drastically different fundamentally in the future ? Are there any comparable historic references ?

Edit: would consider my self a crypto enthusiast for 10 plus years who is losing optimism.