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I personally don't like the idea that I'm selling all of my personal financial data to the highest bidder, who I don't know, nor do I benefit from. That might not be something that bothers you, but it bothers me.

Update: apparently there is even a product now for credit cards...

https://watcher.guru/news/edge-unveils-bitcoin-mastercard-fo...

Per swipe fees get icky for small purchases. Something else could work better (or the fees could be reduced)

Of course, that something doesn't look like today's cybercurrency either.

There are L2 chains that are less than a cent per transaction.

For one you wouldn't have to deal with credit card companies who are massive cludges for society.