There are billions of people on this planet who don't even have access to fiat banking, do you think they are going to wait for it to come to them? or pick up the readily available cryptos, at the cost of a cheap smart phone, which, lets be honest, most already have because the value it provides far outweighs the cost.
There is very little reason to be holding onto bitcoin or any crypto in a first world country, outside of you see it being adopted long term.
The poor have a choice between their own currency which is mostly going down, or bitcoin, which at least goes up sometimes, and the more and more people from these kinds of countries realise their money is safer outside of their system.. then things will take off and development will have to catch up to hype (as it already does)
You got it all wrong, where is adoption taking place, between the rich people and the middle class or among the poor, bitcoin is being adopted by those that have the money and can afford to invest some of their money in a speculative adventure, the poor cannot do that, the people that are really poor have barely enough to eat they do not have money to buy smartphones.