ETFs and other things will change that, but it will take time.
Cryptocurrency payments are by far the cheapest and fastest way to settle currency, and have no fraud or chargeback risk.
Merchants are EXTREMELY slow to adopt anything new, simply out of principle.
“worry about volatility, even there are solutions that allow you to accept crypto but be settled in fiat”
If the transaction is to be ultimately settled with Fiat....why not just start with Fiat instead of adding an additional level of complexity?
The purchaser just transition their crypto to fiat then make the purchase?