In my opinion for many people, they just use the money they are presented with. If fiat is the one accepted, they just use it, it doesn't matter.

So we could just start to switch to zaps and most of the average people would not care and switch to it if it is cheap, and they have a benefit. Look at revolut, transferwise, cashapp, etc. People use it. If the apps use btc at the back end, but shows the same as these apps, people could use btc unnoticed.