Seriously though, if speculative assets are your thing then crypto is great. It's still not great for the average consumer to use for payments.
Here is a short blog post that discusses this tech: https://polynya.medium.com/argent-zksync-a-peer-to-peer-elec...
I think the other big issue is that current wallet apps are very buggy and their UX sucks in general, so your point still stands
Then again, perhaps it's just me.
Seriously though, if speculative assets are your thing then crypto is great. It's still not great for the average consumer to use for payments.