How to adapt cryptocurrency to the use by billions of people around the world?

What is the main problem with cryptocurrencies, in addition to technical issues? It’s used for speculation, and not for daily transactions as money.
How many people use cryptocurrency? A few tens of millions? How many of them use it for daily transactions as money? Couple thousands?
How about 7.4 billion other people? Yes, crypto is in childhood, volatility, “whales” influence the rates, pump and dumb, technical problems.
The world needs a transitional model for rapid adaptation to crypto. More or less not bad model is implemented in Ripple – with nuance, Ripple will not become the world’s digital money.
Their main product is xCurrency, it sells to banks and does not involve the use of XRP.
Yes, other currency fanboys will shout that it’s not completely decentralized but who cares if 7 billion people do not take advantage of decentralization at all?
It is necessary to peg the tokens to the USD, as China did with the yuan. We'll not to list tokens on exchanges.
Day after day, month after month people will use our cryptocurrency, paying our services, and the services of third-party companies.
When billions of people will own and use our tokens everywhere and “whales” cannot significantly affect the rates, we'll "unpeg" the cryptocurrency from the dollar.
Volatility will increase slightly, but it will not be extreme.
If someone wonders why third parties will use our cryptocurrency – the answer is simple. Global bank cards purchase volume for retail goods and services about $21 trillion.
Banks&visa fees overall effective rate is 2.3%. This means that the global business lost about 483 billion in last year.
This is without taking into account the loss by people when withdrawing cash from ATMs, transfers via bank wires between b2b, etc.
Our long-term ambitious goal is to displace banks and Visa/Mastercard. To displace banks does not mean their extinction. To displace in the part of digital money transfers.
And since we will be the only ones who do not speculate on own cryptocurrency, but will keep a fixed rate, it is likely that the whole world will be using our tokens as digital money.
Imagine, in next 7-8 years the majority of payments in the world are paid with our cryptocurrency.
Money transfers are free on our platform, but for third party services there will be a small commission of 0.1%, it's better than current 2-3.5% banks commissions.
And a person is sure that by using our token, he will not lose 15-20% of its value in a minute.
Our transactions are cheaper than banks and at the same time our tokens without lack of flaws of others cryptocurrencies – without volatility.
With a global purchase volume of 20 trillion with our cryptocurrency, 0.1% means revenue of 20 billion from this small fee only.
Great challenges require a start with a small step. This step can be the introduction of our platform. We create a connection: the economy – cryptocurrency.
In order to use profitable, interesting and unique services it is necessary to become a user of our platform. More users of the platform – more users of cryptocurrency.
Step by step, we can become a new generation company, profitable for users, for us and investors.
I'll appreciate if you would tell me what drawbacks there are in this approach, aside centralization?
Please note that centralization is temporary, after mass adaptation of the cryptocurrency it will be completely decentralized and not pegged to anything.