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Might depend on your social circle, some groups might use it more then others. I have seen them being used much more frequently (and way beyond ransomware scenarios). For instance Bitcoin debit cards (e.g Ten X) are quite common and for those that got in the market early, it's a cheap way of buying anything. In some countries it's not even a taxable event to spend it. Still not perfect in the sense of having to use Visa, and down the road transactions will be much more direct when more merchants will start directly accepting crypto currencies.