Wouldn't people who prefer "secure" and "stable" go with actual, non-crypto currencies?

Everything I would want to buy I can pay for with a free international credit card my bank issues. The only real incentive to use a cryptocurrency for me would be for things like giving and receiving online tips, like a site independent karma system, but as soon as you need to actually buy the coins from somewhere it is just as convenient or inconvenient as tipping fiat money.