It's a good point. As with all things though, people need to crawl before they walk before they run. Getting normies hodling is a good start - the quicker we convert fiat into bitcoin, the faster it monetizes and the faster jurisdictional game theory will unfold that removes the types of impediments you're highlighting and ushers in the next monetary phases like broad medium of exchange. Jurisdictional game theory can also happen at more granular levels than entire countries (e.g. imagine Florida or Wyoming or Texas making it legal tender as a US-based example) - and people "voting with their feet" even on the margin makes a big difference too economies.