Crypto was supposed to be an alternative to all this but, well, look how that worked out.

Bitcoin hasn't really changed in over a decade and is trading at all time highs. What "didn't work out" in your mind?

It hasn't solved the problem it set out to solve. We still have to chose between untrustworthy middlemen for handling our payment infrastructure.

It gave up a decade ago. I wouldn't call that "working out".

  have to chose

Interesting oxymoron. If everyone used it what problems would remain?

None of my clients can pay me for my work in bitcoin without first turning real money into bitcoin, with fees involved. I can't pay my rent with bitcoin without turning it into real money, with fees involved. I can't go to the market and buy food with bitcoin. I can't see someone begging outside Walgreens and help them out with some bitcoin. Bitcoin's also volatile enough that there's a significant risk of its value dropping on the floor between the time I receive it and try to use it. It's a fine Ponzi scam but it's utterly useless for replacing USD.

Maybe you live somewhere that your landlord takes bitcoin, that's nice for you, my landlord wants USD. If you would like to fund me finding out if my landlord will actually take bitcoin if I ask nicely enough then please feel free to send a couple bitcoins to 3CzUW828J2u5wCB2xD4iE9kH8dPTokjxow.

So you admit all of the problems would disappear if everyone used it?

Would everyone using it solve "the contents of my wallet fluctuate in value every day"?

I invested in a shitcoin called USD in 2013 and now it's worth a lot less. I invested in BTC in 2016 and now it's worth a lot more. Positives and negatives to fiat and crypto and none are immune to having issues.

Literally yes. There wouldn't be a fiat currency to fluctuate against.

It took AI until it was about 70 to be useful for the things that people initially wanted it for. Crypto is a teenager. We may yet get it there.