And this is a really critical problem - with the help of cryptocurrencies and fraud with them, you can deceive people in big quantity and not bear any punishment for this, because you can very easily hide yourself.
If some impure microfinance organization working with Fiat will behave like this, it will immediately be closed, convicted, fined and returned (not always, but still) the money to the victims.
With cryptocurrency, you sometimes can't even know who is really behind all this and you have no one to complain to. Until this is fixed, any talk that "everyone needs cryptocurrency" is as pointless as fighting Poseidon by throwing spears into the water.