The technical aspects of your argument may or may not be a hinderance, but most people would never get to that point because of the world wide poverty that exists for almost every country outside of Westernized developed countries. The goal for poverty stricken citizens is not to adopt a new currency or to invest for future wealth. Their vision does not extend that far. They live each day trying to get enough resources to have enough to eat.
Bitcoin isn't suppose to take people out of extreme poverty nor would it matter if the extremely impoverished adopted crypto. There isn't a large amount of wealth controlled by these folks. World wide adoption really only includes the major players, US + EU and China.
you might want to try travelling some time.
in africa. they have dropped the government FIAT and mainly use cell phone credit as their currency. yep even poor people have phones and internet.
countries like africa by-passed dial-up landlines and basic ADSL and went straight to 4g-5g cellular intoer which is far faster than landline dialup/ADSL
africa do not like african national currency, their 3 main currencies are mpasa, euro or dollar. they are definitely eager to find new financial solutions. especially ones that do the opposite to their hyper inflation national currency.
affricans love the idea of bitcoin. but hate the reality of the limitations that have been imposed onto it since 2015 by the developers.
i personally am british, i have a large hoard and self funded and self-sustained so my arguments about the unbanked and poor are not my own personal wishes. but wishes from the countries that have more population than US,UK, EURO combined. and yet its the US,uk, euro populations of developers and their sponsored corporations paying their salaries that are dictating the limitations of bitcoin so they can promote other networks/assets.
do you really think barry silbert((greyscale, aka blockstream) pumped over $100m into the teams that developed the segwit offramp locks and the main LN devs, done so out of the kindness of the heart of wanting to make the bitcoin network grow.. nope. they wanted the locks and pegs so they can make other networks to offramp people off to so they can collect fee's
barry silbert didnt handout over $100m for nothing. he wants ROI