It has been clear for a while now that Bitcoin is an inferior payment system for the consumer: * The fees are higher. * The risk to the consumer is higher. * The difficulty of use is higher. * It is accepted at an extremely low amount of vendors and even that is falling. So you really how to wonder why people ever thought consumers would use it en masse.
One of your points is of dubious validity: fees may not be higher. Fees went very high when the network became congested; but when it’s not congested, they’re much lower than credit card systems are for normal businesses. https://bitcoinfees.earn.com/ suggests that right now, what equates to about nine US cents is sufficient for a basic transaction. And if you’re happy to wait an hour, then two cents ought to do you…
* Checks / ACH takes days to close, plus in many situations you might have to actually mail the person a check
* EFT seems reliable, but takes days and requires having been previously set up and authenticated (which borders on impossible if you don't own both accounts).
* Wiring seems like the obvious solution, but depending on your combination of banks fees are going to be >1% for transactions of my size. I also failed to get a wire to happen in * Using a money sending service like Google Pay sounds reasonable enough, but even assuming you're under the transaction limit and have already set up everything necessary to satisfy their fraud prevention systems, any large amount will still take multiple days to fully clear.
On the other hand, while Bitcoin's slow transaction times are a pain for in-person merchant payments, being able to send even large sums of money reliably in less than an hour for (comparatively) a small fee seems almost miraculous. It's true that if you need to go USD -> BTC -> USD it takes much longer, but that's more a problem with currency exchange than an inherent limitation of the currency itself.