I think your average joe does not really care about whether it is anonymous or not. The biggest impediment to widespread adoption is that it requires too much of a learning curve. Once sending crypto becomes as easy as sending a tweet then you will see the mass audience and not just the technologically savvy adopt it.
But how it can be any easier than what already is? If you want to install a bitcoin wallet the only thing that you need to do is to download it and install it like any other software, and if you want to send money you can copy and paste the address where you want to send your money, introduce the amount that you want to send and then you just have to confirm your transaction, I do not really see the complexity in it because those are the very same steps that you need to take if you want to make use of online banking.