It is a bit of history because in Thailand, there is almost no card usage at all. Everything is phone and QR based for everyday spending which is perfect as crypto direct to bank (or cash) direct to coffeeshop! The slow part is the BTC.
The other thing is that I find it a little sad that crypto has to get into bed with the centralised enemy to gain use case. It's all seems somewhat contrary!
As you say, if they're giving them away, why not indeed!
The core of the problem, to me, is that the money we have today isn’t sound.
There will always be centralised entities.