So all those services that went kaput and took users funds with them don't count?
And from what I can tell, BTC has lost 60% of it's USD value from the peak only a bit over a year ago. And you want people to depend on this for payments?
If you are using monero or bitcoin for payment then it's up/down value isn't as important. Use it as a currency not a bank.
The rotten orgs around the service are getting flushed, which is good for honest users and uses. Don't trust other orgs with your holdings. Hold your own crypto keys.
And from what I can tell, BTC has lost 60% of it's USD value from the peak only a bit over a year ago. And you want people to depend on this for payments?