still hard for cryptocurrency to fully replace fiat , its hard to implementation for low- mid class people they probably not get enough resource to study about it .
They don't need to study about it, they just need to use it.
It doesn't matter how mid you are, how low you are when we talk about class, if you want to use it, then do it. Either way, they don't need to study it since it doesn't require people that is graduate of 2 or 4 years in college. Unless they know what a blockchain is, how to use it and to apply it in the career they are taking then that is fine. Lot of books they can read.