Mass adoption is still dream.
We have too much ¨old people¨ in this world, bank system is still best option for a lot of them.
Soon new generations will change it, it takes time.
In Crypto this time could be only a few years, but to have actual economic situation took many many years!
There's a lot of solid reasons why bitcoin has not used widely yet despite how the growth of cryptocurrency in the last few years skyrocketing.. numbers of crypto business day by day increased.. numbers of crypto user growing fast etc but it's long way to go ..
Banks is the first reason for me , they won't let crypto go mainstream as they are making money through people idiocies . Crypto eliminates the middleman and the middleman itself is banks.
Makes sense? Of course it is! Banks and feds the two greedy bastard loving monopoly!
Correct the banking institution makes the bitcoins hard to get a massive adoption since they are been threaten that there costumer base will lessen if bitcoins will get a legalities, but also I think the big part of it is the government since they cannot control it because of it's anonymity.