I found your estimates for wrong and the real number should be significantly lower.

For example, I have over 10 BTC wallets with some dust and little over 0.001 left from different payments, mixing, gambling and so on. I'm sure that everyone who's dealing with crypto currencies from few years have few like those.

So I think the real crypto users are just a few millions. The technology is still too complex for ordinary users and mass adoption. You grandma could use a CC, but crypto? Or even your parents?