Unfortunately a lot of people use Paypal.Instead of using paypal i would rather to use facebook's libra because at least it is a crypto currency too! And everyone has a phone so everyone could buy all crypto currencies too!
What price do you think will nxt hit ? I think it will hit 1 USD again like it did before! Because there are less than 1B coins and if nxt can get 1B usd investment then it means it's price would be 1 USD again
And if bitcoin goes to 50k USD i think for your safety you should sell it and stay at usdt.Even you can invest your dollars instead of taking risks.After bticoin goes to 10k USD again you can buy more bitcoin.