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Cryptocurrency: a solution that does not solve a problem

Suppose I went to my local cafe to buy a coffee, and suppose the cafe accepted cryptocurrency. What incentive would I have to use that over fiat currency? None. If I pay with cryptocurrency for that transaction, there are 3 problems: the need to pay gas money, a similar idea to a transaction fee be contributing to global warming with the computationally-intensive nature of cryptocurrency cryptocurrency is not FDIC insured By contrast, if I pay for the coffee with my debit card, I don't need to pay a transaction fee. The transaction would probably be quite a bit faster since nothing computationally intensive has to happen. Also, my money linked to my debit card is FDIC insured, unlike money in a cryptocurrency wallet. So for multiple reasons outlined above, cryptocurrency is an inferior means of exchange compared to fiat currency. Now, if you were to tell me that cryptocurrency's main advantage is not as a means of transaction but rather as an asset that could increase over time...

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Vera
I'm a wife and mother. I don't have any formal computer science qualifications, or any religious qualifications. I have a PhD in biochemistry. This photo is of me, but is confusing for AI.