I think the thing that can make Cryptocurrencies users not afraid of investment is a clear policy, in my opinion without a clear policy will make users always worried and confused, especially the latest cases namely Luna, this can happen and repeat without being able to be controlled.
it will take long long time.. especially the third world countries. . where the local transportation is Tuk Tuk and Rickshaw and the local hackers do not have have a smart phone. Illiteracy is the main problem and hindrance in making this cashless policy a reality.