People won't transact on chain. Paypal et. al. will allow people to make bitcoin denominated transactions and will settle with other payment processors on chain. That gives the average consumer access to the kinds of protections they are used to.
The two responses to my very simple question prove to me that crypto is a fad that will fade into the background. Maybe a few big players will use it as their protocol, but the average consumer is never going to think about it.