In my own opinion, I think that the most important thing for implementing using of crypto currency is by having it's stability value in the market, therefore the people doesn't feel doubtful while engaging to this system. I think the main reason why it's not yet totally adopted by other people is just because they felt to this system that it has a less security and unsafely storage of their money because it's full volatility in the market. Some people are much wiser and smarter that's why they don't undergo in somethings more risky.