There are loads of reasons why people will not deal in bitcoins. One reason is what happened at Poly Network since you posted your comment.

Bitcoin and Crypto in general are filled with thieves and scam artists. Just because some ethical people can navigate that minefield at relatively low dollar transactions - that doesn't mean many people or businesses want to stake their livelihoods on it not failing.

Time is a problem. If you lose value in time it takes to convert its not good. Most businesses don't care if the value increases nearly as much as it decreasing. Bitcoin volatility does not help it's case. I guess we trust banks will always be available to get dollars out when needed.

You should rethink that phrasing. That's a heads I win tails you lose kind of proposal.