I think they are not ready, the electronic money market is too young because it is bound by some factors such as users are familiar with the current type money such as ATM card, cash ... but with the advantages such as fast, convenient, decentralized, in the future electronic money will be very potential.
Correct! Crypto has yet to achieve success because not enough people are using it as an actual currency. But it wont be long before the majority starts using it. Crypto is the best form of payment because of its security, transparency and accessibility. Who are we to refuse something designed to make our lives easier?