before such progress will take a long time, in some countries, many people do not know how to use credit cards,and about the crypto currency may not even have heard,and if they have heard-they do not know what it is and how to use it
Its never too late to learn everything, I dont think it will be a big problem for modern people, the main thing is for the project to develop, and new users will learn everything
I dont see any problems at all, now probably already most of the settlement knows about cryptocurrency, besides everyone is actively trading on the Internet