Bitcoin currently works pretty well for transactions equivalent to like $5 or more, as long as there's enough time for settlement There are other proof of work blockchains like doggie coin and Monero that can be used for smaller transactions without resorting to glitchy stuff like lightning or solana

That’s not my definition of retail. Just like how most people don’t buy a car every day. For large transactions they will still choose to use financing, pay in installments, or as a lump sum. On-chain is fine for that because it doesn’t matter if it takes a little while. But if you’re standing in like to buy a taco, it doesn’t make any sense at all.