If, after all these years, Crypto has not become a stable store of value that can replace a fiat currency and let you buy your groceries with it, why do we suddenly 'need it' to do that now, and what would change that will enable that to happen?
It's still not possible because of the high speculative aspect (even though stable coins offer some form of alternative but since they are anchored on the dollar, not so much). Change will happen when more people are impacted by unilateral decisions. If all of a sudden the US decided you/your business/your political party/your government is not aligned with their views, they could make sure that Visa/Mastercard/Paypal/Stripe/... stop accepting payments for that given group. Then you realize there are very little alternatives ready to go in that case (for online payments there are, but for physical ones not so much). So far this hasn't seem like a possibility at all, but, in my view at least, this has changed this past year.
Stablecoins work just fine. Not sure what is the problem you are referring to?