I think for the most part it's true that Bitcoin itself is pretty bad as a payment system. Perhaps something can be built on top of it with Lightning, but leveraging that and actually getting some good for the consumer is still a huge question mark when you live in a word where people can get cash back and protection using a credit card or Paypal.
We can all recognize that bitcoin is not the best system of payments out there, but you are missing the point of bitcoin, which is to be an independent currency not controlled by governments that cannot be destroyed and that despite the fact that you do not get cashback protection you get protection from the inflation created by printing more fiat.