Cryptocurrency wallets are available to anyone with access to a smartphone, computer, or the internet in general. Unlike banks this technology is a lot easier to access even in developing countries.
This is actually a barrier even in developed countries. Both China and Sweden have encountered problems going cashless:
It should be better in a few years as technology gets more and more accessible.
That doesn't mean that crypto doesn't help with financial inclusion, of course. I just wanted to share that to let people know that the issue isn't exactly black and white.
Either way, I agree with the general message of your post. Crypto offers real solutions to real problems, which is one of the reasons I believe it's going to stay.