No, you are not wrong. I just oversimplify one of the main issues. I was refering to the bad image crypto has to the average person (scams, inestability, ponzis, etc). I read on some other posts people saying things like: 'if x stores switch to crypto, even if opctional, then i will not use that store anymore' So i think many stores won't switch to crypto (at least until they don't have other choice) because that.
But i am agree with you (i'm also a lowly non-cypto dev, so, high five¡ :-) ) I also think a descentralized cryptocurrency is the most viable way in the long run, and yes, there are a few stores that accept payments in criptocurrency. Probably with the time there will be more. Time will tell.