Your argument seems legit but human species are pretty lazy thereby always against innovation, discounts should be noticeable at least around %5-10, can CryptoCurrency Use offer that amount of discount ?
You don't use something because you can use it, right ?
How many average people care about financial freedom from banks anyway ? Necessarily not mothers.
Average people just okay paid into their bank accounts and using them from their credit cards. At the moment and for a bit long time...