[treebot]

We are mostly there.

Environmental impact is mitigated by newer proof of stake tokens. Cardano, Solano, Polkadot. Also, Ethereum is moving to proof of stake eventually as well.

Slow confirmation times are also solved by these same coins. Even ETH with proof of work has a quick confirmation time. Also, for payments over the internet, confirmation time is not a big deal. It's more an issue when buying something in person.

Price fluctuation is an issue, but we do have stablecoins. However, there are only a few.

We do need ATMs, but that also does not matter for online payments.

Fiat to crypto translation layer is probably the main issue in regards to online payments. However, setting up an account on Coinbase or Binance is pretty similar to setting up a PayPal account. Then you can pay any merchant with a QR code or address or whatever, using any of the coins Coinbase supports.