This is true when it comes to businesses accepting crypto for non-financial products or services. Even though there are scalability, security and UX issues with crypto, I don't think that the main blockers for business adoption are technological or that people don't want to use it, but related to business risk.

Crypto regulation has tightened over the last couple of years. Depending on local laws, businesses have to follow KYC and AML laws, complicated bookkeeping procedures, check received coins for a potential history of criminal activity and more. It looks like the regulatory risk for accepting crypto payments seems much higher than just using a commercial third party gateway. That's probably why crypto fintech companies are exploding, while many other businesses cannot deal with the complexity.

For the near-term future, I would expect that many of the third-party gateways allow you to use your existing coins, while they deal with most of that complexity and export relevant tax data for you. Many people now own crypto assets, so a subset of them will want or have to use them.

Maybe we will see a push for more crypto-friendly regulation, once regular use of crypto through middlemen is normalized and only then direct use of p2p crypto can really bloom.