Well i quite agree with you the model of crypto become quite askew, and more using coin as stock trading or investment rather than paiment system, leading to many unhealhy practice and schemes around it.

Only the basic thing that always disturb me, is at any rate, a transaction is only a part of a well rounded paiment system, which also should include a system of item database, billing, and integrating the transaction into the multi step process of presenting sales item, with a bill , and associated transaction, like bitpay which off chain.

In current state of things, its only one of the issue with bitcoin as it is today, and its clear its more calling to many unhealhy practice, greater fools games, pyramid schemes and scam than being developped for utility value in e commerce or with truly decentralized applications or so.