M-Pesa users actually already have a advantage over other people, in that they already grasp the concept of a digital currency. M-Pesa
This makes no difference though. OK, imagine you're a Tanzanian and, like most Tanzanians, you live in a small village and in all likelihood do not have your own electricity supply. You only have a battered old phone, which you charge at a central source such as the village shop, and you use the M-pesa system. Will you ever be able to afford to mine bitcoin? No. The only thing you can do is convert Tanzanian shillings into bitcoin. But why would you? What's the advantage? Will the process of converting shillings to bitcoin make you richer? Will it put food in your mouth? Will it help you pay for the anti-malaria drugs you can't afford? I was in Mombasa a few years ago and saw a man get kicked out into the street and left to die because he couldn't afford medical treatment. He literally died on the pavement. What difference would Bitcoin make?
When the mobile service providers are forced by governments to act in a
specific way, they have no choice in the matter.. They operate in these countries with the permission from these local governments... So they must play by their rules.
https://en.wikipedia.org/wiki/Legality_of_bitcoin_by_countryThe difference between banks and miners are that Miners are not a individual entity... but a collective global action from a group of independent people.
And yet the way Bitcoin operates means that bitcoin mining is just a dream to most people. Like existing monetary systems, it creates two classes: those who generate the currency and those who can do nothing more than use it as a medium of exchange. Ever heard of a bitcoin loan?
http://www.coindesk.com/judge-rules-in-peer-to-peer-bitcoin-lending-lawsuit/HS