Is anyone using crypto exclusively for daily financial transactions?

I often wonder if anyone is using crypto exclusively for daily financial transactons? If so, is it one specific crypto and how do you use it to complete transactions? Does anyone use a credit card that is tied to crypto? If so, which one and for what country?

I think the main problem with crypto is that it is similar to a credit card frozen in a block of ice in the freezer. It has value, it has the ability to perform transactions, but it is difficult to use. I might be doing it wrong. Does anyone have a systemic way of turning crypto into everyday goods and services?

Or is crypto still a speculative investment that should only be used for trading? Kinda like, buy it low and sell it high, but don't use it for daily interactions?

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