I am 55 and atypical I suppose. I will tell you how I use crypto. I am mining etherium, converting to bitcoin through an exchange sending to coinbase and using my Swift card to buy cat food. Monero will need to be that simple or simpler to use. Are there plans to offer a debit card?
Shen's Mininero is designed to integrate nicely with xmr.to (so you can pay any BTC address directly from your XMR wallet) and I think it can be used with the Shift card. The idea being that you keep your value stored privately in XMR but can also spend it using non-private methods (BTC or, via BTC+Shift, fiat) if you choose to do so.