Hear me out: I think we got too popular too fast. The normal person on the ground would expect to use crypto much more for daily-life transactions but this is not currently the case. Maybe we needed some more time for the technology to mature (no scaling issues, slow transactions, etc) THEN the normies come in. Right?
I agree with you that crypto is still very complex, with complicated wallets with long public and private keys and needing to buy a major cryptocurrency with fiat and transfer it to a trading exchange wallet to buy other altcoins which then need to be moved to a personal online or offline wallet to limit the risk of hacking and theft. This is only for cryptocurrency enthusiasts, and its estimated that less than 1% of the population own or use crypto - although over 50% of the world population on are aware of crypto and interested in owning and using it eventually. And I agree that increased ownership and usage in the general population will come slowly over the next 10-15 years, as better blockchain architecture is developed that will allow development of dApps able to compete with the current centralised applications most people and industries use every day - and as layers are developed on top of the blockchains and apps that makes using crypto as easy as registering and pushing a button, and not the complicated process it is now. But I do feel that eventually after 10-20 years using blockchain and crypto will become the norm for mist of the population except the 5% Luddites who are slow to adopt any new technology, and that increase in crypto usage and ownership to most of the population will lead to enormous gains for we early adopters if we invest in crypto wisely the next few years!