i don’t think so man.
Bitcoin adoption is path dependent.
in some emerging markets, it’s used as money first because their money is so broken. however, you’d be surprised how much is oversold on twitter versus what is reality. USDT has way more adoption than BTC does for medium of exchange. it’s likely because such a volatile (and high performing) emerging store of value is a tough sell for a medium of exchange at scale.
in developed markets, that’s even more the case. it’s adopted as savings first because fiat “works”, for now. I live in Chicago, nobody accepts bitcoin.
using credit against BTC doesn’t slow adoption, it accelerates it in my opinion. encourages people to buy and save in BTC while spending the shitty money. Gresham’s Law