I think the analogy through debit cards have a point. and at this time are in the stage where crypto many people are still afraid to use it because the risks that exist. Moreover, it can not be used legally in many countries so the terrace still hard seeing the real effects of crypto benefits. Indeed the bottom line will take time to see the crypto can be great.
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The reason why people will not accept Bitcoin is because it has no link to bank, but debit card is issued by banks and was introduced to make banking easier when it comes to withdrawal of money. Cryptocurrency is something else and a lot of people have made the world believe that cryptocurrency is meant for investment. So no one would put their money in cryptocurrency as savings cause they know that it is volatile and anything can happen. They can only invest their money in it when they have plans to invest and HODL it for a long time to grow.