The crux is that other digital methods get you all the advantages you listed with fewer drawbacks. It's not a binary choice between fiat and Bitcoin.
For the average person Bitcoin (vs other digital) is much harder to acquire out of band. You can't even top up with a debit card on Strike anymore. Now on Strike you have to go through USDT via Tron. (Yes on Strike you need USDT.) And if you're going to acquire USDT on Tron then you have all you need already, just pay in USDT, save the runaround.
And if you believe Bitcoin will go up and up then you're basically making you future self poorer by paying for your new fridge in Bitcoin as opposed to dumping your not-going-to-go-up currency. You're making yourself a chump.
At the end of the day it really does all hinge on a quasi-religious argument. But a lot of people have religion already.