The two arguments I often hear are "losing keys", which would not be a big issue for small amounts, and "fees", but that is avoided via the Lightning Network these days.
Is it that every payment is a taxable event, so it is too cumbersome for the customer because of taxes?
Consumers largely don't want a "got scammed? you're fucked, no chargebacks!" payment method.
The AI projects in the link all have some reputation behind them.
You can make a mistake or get scammed using well-established websites, after all.
It doesn't actually solve anything from a KYC or trust perspective, which is at the root of lots of these problems. A good interaction is "I, the buyer, have money, you, the seller trust me that I have the money that I am digitally transacting to you. After the sale is made, the transaction clears, I have less money, you have the money instead." This contract breaks when either side doesn't do their job -- provide the money for the service, provide the service for the money. BTC doesn't solve this for both parties.
As a seller, I don't have to implement PCI compliance, deal with an acquirer bank to process transactions, fraud checks, whatever - I link up the Paypal/Stripe/... account to my shop and that's it.
And as a customer, I don't need to trust Joe Random's webshop with my CC details, and I have a reasonably well working customer support when the seller turns out to be shady.
C'mon don't be disingenous.
Bitcoin is pretty high friction, and comes with a bunch of downsides (no recourse for errors/scams, value volatility, etc.) that are important to some people.
Not to mention that the cryptocurrency world is generally full of shady actors and many simply don't want to be associated with that.
you need easy ways for people to get into Bitcoin. A CC (or in Europe, SEPA direct debit) is easy, customers are already used to this, and it works hassle-free.
Meanwhile, Bitcoin? If you're not set up with an exchange already, you need to set up an account, pass through KYC crap which may take hours, and only then you can pay. The only kind of services worth that effort are truly anonymous VPNs and servers or drugs.
Especially with no dispute mechanism either.
So no thanks to crypto at all.