IMO, there is truth in both statements:
a) crypto is built for machine to machine payments
b) people have hard time understanding crypto due to lack of education about what money is and lack of education about the technical side of crypto.
So I do think cryptocurrencies can be used both by people and by machines simultaneously in a future world where such payments have become the dominant monetary reality.
It is hardly necessary to argue that cryptocurrency is not intended for use by people. There is practically no such area of activity where one could argue that it is not intended for people. Another thing is that certain types of activities require special knowledge and training. Cryptocurrency, contrary to the opinion of some, also requires special knowledge and experience. In order to fully engage in cryptocurrency, and most importantly, to protect it, ordinary household knowledge is not enough. Therefore, for the mass user, cryptocurrency needs to be simplified.