if crypto replaces fiat then there will be many obstacles that will be experienced by many people, to access someone needs a good internet network, besides this crypto is not suitable for macro transactions.
Yes there will be many obstacles to teach people how to use cryptocurrency and also how to make your fund safe. It would be really hard in my country, cause the fact is there is a lot of people in my country even not have a bank account and also there still a lot of people that uneducated, so i think it would be hard to make it real, especially in my country.