I looked up the history of the credit card on Wikipedia to see how fast that caught on. It seems it had a slow start as well. Things only changed when a big bank put all of its weight behind it. I don;t think something like that will ever happen with cryptocoins, since there are no big institutions that would benefit from it becoming widespread.
> I can't realistically use credit cards. I can't walk in a store and pay using my credit card
That was true at some point and I would agree that as long as it remained true "Why should I carry a credit card that I can't use anywhere?" would be a perfectly reasonable thing to say.
> And if I want to send some money to my friend, I have to walk them through of opening a bank account which they won't do because it's pointless anyway and I can just hand them the $50 dollar bill"
This is completely disconnected from reality. People very commonly use bank accounts and checks. I know they must exist but I cant think of a single person in my life who would need my help dealing with a check.
> It is a real currency, it's used every day for transactions. Just because you don't find use for it in your life does not disqualify it.
You could say the same thing about V Bucks but that doesn't make it a real currency.
But using it as an argument against credit cards is dumb.
> People very commonly use bank accounts and checks
Yes, now they do. Used to be that most people held their wealth in gold or literal cash.
> You could say the same thing about V Bucks but that doesn't make it a real currency.
V Bucks (to my knowledge) can only be used to buy Fortnite stuff. Can I even send it to anyone I want? Guessing not. And I'm pretty sure I can't sell it on a market to anyone else either.
Do you expect every store to start accepting it instantly?
Your argument does not disqualify Monero as a real currency. It is a real currency, it's used every day for transactions. Just because you don't find use for it in your life does not disqualify it.