right now the expense is often too high and capacity too low but that's gonna be solved.
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...
More than 50% of the world population have access to the Internet and more than 60% own a mobile phone. I would say that's a pretty good start in terms of the rollout of blockchain-based user applications and services.
In terms of the unbanked, the biggest reasons they are not coming aboard in terms of the traditional banking system:
1. Paperwork
2. Not able to comply with KYC
3. Cost of opening a bank account
4. Distrust in traditional banking
5. Low Income
6. Financial Illiteracy
Blockchain technology, when applied correctly, can eliminate these challenges.