If I'm the average adult and I don't know about: Bitcoin, how fiat and our modern financial system work.
Sell me on: why banks/fiat are bad and why Bitcoin is the solution.
Much of the discussion regarding this just consists of buzz words, regurgitated sound bites and cliché talking points.
You should take another look at the reality you're living in. Some buzzwords are not "buzzwords", only truth. I believe it was Aldous Huxley who said something like, the truth would be hard to find in a sea of lies. He said it during the 1930's.
So first: why are the banks/fiat bad?
They are "bad" because we put our trust in "their" system, but they don't act in our best interest.
Do your research on fractional reserve banking.
Second: How does Bitcoin fix this?
Bitcoin doesn't "fix" it. But we are given a choice to hedge against the banksters.
Hodl Bitcoin, short banksters.
Third: What would make the average consumer care?
You're merely given a choice. No one should care if you care, or not care.
(Climate change, obesity and corruption are all massive problems but in a world full of distractions,
no one really gives a shit) Bitcoin has a bit of a PR problem in regards to how the community and developers are going to make the average consumer give a flying fuck about decentralization. Also keep in mind that most people are willing to pay middle men if it gives them piece of mind and they don't have to question the world around them and wrap their brain around new technology.
If they don't believe in it, or if they believe that they don't have a need for it, then they should leave it.
Plus we also shouldn't waste our time on them.