Maybe for international commerce, and bank wires. Crypto to me after the years I've been in it. I did jump on the crypto bandwagon around the time Shami announced, if not a little after. I also mined almost 1000 Litecoins with a rig I built back when they were easy to mine with a GPU miner.
Sold most of them when they reached $20 (that was a HUGE gain at the time) wished I would of held on to them now, especially when I saw LTC reach $300 back in 2017 with the last bull run. I still have some BTC, but lost a lot when Cyptsy went under and Vern fled off to China with probably over 50k worth of my crypto. That was my fault, I was stupid and left my coins there with a false sense of security that it was a U.S. based exchange. Expensive lessons learned. I'm older and wiser now, but I've also had time to reflect with my time in Cryptos.
They will NEVER be mainstream due to the difficulty in use for average people. I've witnessed it myself even in my day job at one of the largest tech companies in the world. Decentralized blockchains also have problems with scale. To get anywhere near Visa's capabilities regarding transactions per second / minute requires a lot coordination and resources, now times that by a billion if you want a global population using the crypto and you see the problem.
Most people do not understand cryptography and that's all crypto is with a blockchain acting as a ledger of transactions and what address has what amount etc. At it's very basic form its really very simple, but the complexity comes in when signing a transaction and knowing the difference between a Public and Private key. They look similar to the untrained eye, and if you accidently give someone the private key instead of the Public key, then your wallet will be empty in a matter of minutes.
That's the other problem with crypto there is absolutely no reversing the transaction. You can do smart contracts to lock up payment until a product arrives or service is completed and both parties complete the contract. But that runs into a problem if you bought something and complete the transaction, take your new toy home, and find out the previous owner lied and it wasn't new, its a refurb etc, you can dispute that with Visa, or Paypal, but with Crypto you're shit out of luck.
As it stands now, crypto is still more of a speculative vehicle with many different coins and projects trying to one up each other in usability. Bitcoin even with Lightening network will NEVER be able to complete thousands of transactions per second, in the last bull run it could only do some 200,000 transactions in a day and there was literally days worth of backlog transactions. So Bitcoin definitely has a problem with scale.
I like Crypto as much as the next guy, but as it stands I trust physical precious metals more than I do Crypto from what I've learned in my time in crypto, and how I've seen even technically savvy individuals struggle to understand or use them.