Using crypto average person could deal with at least two problems. First, using cryptocurrency could be more user friendly. It is not hard, but many people don't follow the technology and it would be hard for them to use it. Some apps can make this a lot easier or some cards like visa loaded with coins, that we could see in use. Second, if many users start to use some coin they could face the problem called scaling, where the whole network could be congested because of slow transactions process.