i am agree for the sentence "everyone should have a bank account" because its a way for us to save our money and make it grow with the bank. but its hard for people which don't have a stable income to save their money, because they need to fill they needs daily and will spend their money to buy something that related with their life like food and the other product.
A lot of people don't have bank accounts and lot people survive with only 1$ a day on this planet. The vast majority of those people, they main focus is to provide food on the table for they family. To have a bitcoin wallet, they can start to learn and manage money and save it for they kids for example.
This is the point you is driving at by saying bank accounts are crucial,we should look to banking as a first step and then splinter off into bitcoin if possible. Its far easier to explain traditional banking as opposed to how to use bitcoin when we are thinking about the unbanked people in the world.
Most of them are not going to have a reliable internet connection near them and the best hopes would be a cell phone with sms capability to get involved in bitcoin.
Think he has thought this through and it just happens to be a aspect China welcomes.