Some people considerer too complicated to use the Ripple client, even with some help, and to transfer the money out of the ripple network can give some headaches.
True, those people should go back to drooling back on their back porches and leave the early adoption to the early adopters :-)
Eventually those back porch people will be happily swiping their cards or paying by their phones not even suspecting that txs are clearing on the world-wide ripple network.