When will that be decided ? What makes you think that if banking technologies have not reached people in the 21st century, they are ready to use cryptocurrency ? Many of them are still sitting bare-assed on palm trees... Sorry for being rude...
have you been outside the borders of your own country?
smartphones are everywhere. cellular coverage is often better in the ass end of africa than it is in many european cities. again, there've never been landlines so they've made the leap straight to cell phones. it'll be the same for crypto.
and it's not a case of banking not reaching places, it's being actively denied in places.