The technology exists for merchants to enable crypto payments, but that doesn’t mean consumers want the option. On the consumer side, exchange-rate volatility, regulation, safety, privacy and education are all causes for concern. Globally, crypto payments would enable commerce for the approximately 2 billion unbanked adults. For a more developed country like the U.S., however, consumer expectations are higher than the experience that crypto infrastructures provide. Using crypto payments means headaches like paying capital gains tax and giving up chargebacks and other protections. And that is if you can figure out how to buy bitcoin, ether or dogecoin.