you mean those billions of people that can't read or write but love using their smartphone ?
The poorest (i.e. those "billions") can't afford high-end smartphones; they're using e.g. Series 3 Nokias for SMS and calls.
And they do so without being able to read, write, or afford a pencil! Amazing!
Anyway; my objection was to deadgiveaway's assertion that anyone who doesn't understand cryptos is inherently stupid and not worthy of consideration.
I agree with that objection. Its just that you started spouting nonsense unrelated to that after making said objection.
The pencil reference was a metaphor. Just a way of saying that many of the world's poorest have little or no access to education. They could still benefit from an accessible, low-cost alternative payment system... as long as it doesn't require an expensive device to use.