The meltdown is only in 'modern' things like nfts. Classic things like monero, eth, and bitcoin are chugging along fine.
And from what I can tell, BTC has lost 60% of it's USD value from the peak only a bit over a year ago. And you want people to depend on this for payments?
The rotten orgs around the service are getting flushed, which is good for honest users and uses. Don't trust other orgs with your holdings. Hold your own crypto keys.