Cryptocurrencies are not going to be widely used any time soon because it is too much of a hassle. Constantly having to update the wallet or several wallets if you have different currencies. Some days I have to update 5! wallets and after a while it just gets annoying. Then a lot of coins have swaps it all seems to depend on the mood of the developer that day. It is not fool proof or easy to use for most. It might have a future for certain areas like online casinos, gambling, adult entertainment but not in the real world, there is just so much that needs to change in order for that ever to happen! For widespread adoption cryptocurrency transaction just be easier than a bank or paypal.