My bankers told me, I need to help them to create an bitcoin wallet and hand it to them, and they’re too busy to learn it and it’s very difficult to use, they don’t believe cash would die, they deal with thousands of clients everyday who need bankers to create banking account for them, and they know a lot of people, despite having a smart phone, are not good enough to use the phone for simple online banking, they are only good enough to make phone calls with a smart phone, they don’t even know how to send texts to friends, they don’t believe their clients are capable to create their own bitcoin wallet and use it as cash, their clients would always come to them for help with their banking problem, and bitcoin didn’t provide any help as friendly as banker, it’s why it would fail to gain their attention. And more shockingly, they’re talking about their clients as young as 20-30s, they’re not gonna learn to use bitcoin, only a handful of very young people are tech savvy enough to use smartphone to their fullest, the rest of them are just like our grandma dealing with smartphone.