Maybe a little bit OT:
I’d was just reading that migrants sending every year 440 Milliarden Dollar home - most to Albanien, Afghanistan und Nigeria.
They use travel agencies, supermarkets and kiosk near the station to transfer the money using Western Union, Moneygram and Ria.

„Use BB.HS (BB- home-send) get 64,2 kB for free” 
„Save transfer around the world in seconds. Your BTC / Byte Dealer (every fu.. kiosk owner) will help you to tranfer.“

Yes, I know the problem ist the interface fiat<->crypto. So, maybe therefore  crypto will be a hidden layer for a very long time…
But people which selling cigarettes and lottery ticket can also sell BTC or Bytes using her mobile..
The problem ist to generate a initial demand - we have a classical problem https://en.wikipedia.org/wiki/Chicken_or_the_egg
To break the barrier and to initialize a Revolution, the fees have to be so smal against classical competitors (Western Union, Moneygram, Ria) that the people overcoming habits , fears  and prejudices.

That shoud not be a great Problem: I was reading they take up to 8% for sending 200 $.
In my opinion it’s much easier  to rush a existing market than enter a market wich will come in the future (IOTA).

@ lerecidiviste: you will receive some funds