This is has been the main cognitive dissonance in bitcoin for several years now: stacking vs spending. There really is no practical incentive to spend.

There is also a network effect that bitcoin just doesn't have yet. It's easy to critique tradfi platforms like Venmo or Paypal for being closed systems... but bitcoin is not all that different right now. If you don't have any bitcoin it is just another payment platform you don't have access to and doesn't work with anything you have. Someone may as well be asking you to Venmo them and sadly, you don't have Venmo.