Sometimes I feel like Crypto doesn't have anything to offer to the general public. Why use crypto if companies like Stripe, BLIK, Nuvei or PayPal exist?

Before you pull your pitchforks out, here me out.

Innovative tech gets adopted quickly because it's great and innovative. There might be a cost barier to entry, like back in the day with cell phones due to how expensive they were. But digital payments etc. have a very quick adoption curve because almost everyone has access to a phone or internet.

In Poland there was this massive boom about 8 years ago with this new bank payment system called BLIK, you can basically send money to someone within seconds. Doesn't matter what time or day of the week it is, just by using their telephone number. It's instant and basically free for the customer. It got adopted super quick because it was easy, safe, secure, instant and fee-less. Almost every online shop adopted it instantly. Checkout process takes like 10% of the time now because you don't need to provide any bank or card details.

Crypto has been around for over a decade and is still struggling to come up with something that is even close to Stripe, Visa or BLIK. It's quite pathetic actually. You can downvote me if you want but that's the sad reality of crypto so far. Why does it take so long to come up with something revolutionary?

The fact that mass adoption hasn't happened yet is a proof that crypto (at least untilt now) doesn't have anything better to offer to the larger population. While fintech companies like Stripe, PayPal, BLIK or Nuvei thrive in the current environment is a proof that there's a demand for fast and cheap payments. But crypto is still struggling to fill that space? Why?