The point im making is, there is a LOT of incentive for merchants to use crypto payments in favor of traditional methods.
Its like buying with cash, there is no recourse and you are always at the mercy of the merchant. People were fine with that for all of history until electronic payment methods become popular.
Consumer protection is even more strict in Europe. Its getting to the point that small businesses wont be able to compete with much larger ones that have the resources to deal with charge backs and disputes.