my friends and I send BTC, LTC, ETH to each other instead of paypal, bank transfer, or cash
typically one of us pays the bill with a credit card and the others send him crypto to settle. same with selling electronics to each other and paying rent.
Me and my friends use Venmo. Why would I want to send my friends crypto if I expect its value to increase? I wouldn't also want to receive crypto if I expect it to crash soon. It's simply not practical to adopt crypto in large scale.
typically one of us pays the bill with a credit card and the others send him crypto to settle. same with selling electronics to each other and paying rent.