Well I know that I can't pay my mortgage or children's tuition with bitcoin (my two largest regular expenses), I know that transactions actually can take minutes so I don't want to use it to buy coffee, I know that if I forget my password I lose literally every cent in my wallet with no recourse, I know I need to convert it to USD to do 99% of my daily transactions, I know that the price it's at today is not the price it will be at tomorrow with margins much wider and more frequently occurring than with USD, and I know that most people have absolutely no desire to learn how to use it (as evidenced by over a decade of modest adoption and most vendors not accepting it).