[everfree]

> "negative sum game" is literally baked into the concept of a purely speculative unbacked "asset"

The dollar is also a negative sum game, a purely speculative unbacked "asset".

More effort has to go into keeping track of it than can possibly come out.

> Any place that accepts crypto is simply immediately selling it for fiat, and making the customer pay more than they otherwise would in fees and headache.

Crypto payment processor fees are usually about 1%, which is less than half of the typical credit card processor fee. As for "headache", you'll have to elaborate on that.