Since ACH reversals happen so rarely in the US and since the US dollar is stable there is not much incentive to get paid in crypto. Also, there are disincentives, since the US taxes it as property. I'm definitely not arguing that. Only pointing out that what a pain ACH reversals are when they do happen and how crypto doesn't have that problem. Make crypto more stable or easier to convert from/to fiat and I think more people would opt to get paid in it rather than the current direct deposit ACH structure.