Well that's the point isn't it? You don't buy an index fund in order to transact in it.
On-ramp has costs, then transaction has costs. And in my country at least, selling crypto (which is what you're doing when you buy something with it) is a taxable transaction. So now I have to keep all my transactions and report them to HMRC each year if I do that.
It's not going to happen. If people wanted to transact in crypto, they'd be doing it by now, it has had more than enough time.
Well, people do transact in crypto, especially in sectors that face censorship from payment processors, like the currently mentioned Japanese porn games.
I pay my VOIP bill in crypto. It's just easier and I usually pay a year or two at a time.
I've had to pay my DNS registration in crypto from time to time too. I don't know why but sometimes the anti-fraud AI at the bank gets triggered by my DNS provider and that's literally the only method I have for paying them.
On-ramp has costs, then transaction has costs. And in my country at least, selling crypto (which is what you're doing when you buy something with it) is a taxable transaction. So now I have to keep all my transactions and report them to HMRC each year if I do that.
It's not going to happen. If people wanted to transact in crypto, they'd be doing it by now, it has had more than enough time.