Plus ATM could be used anywhere in case of emergency, for example when you travel across the country and you need cash you could still use your ATM to any machine let's there's a fee for it but it wouldn't hurt for emergency purposes. What you said is actually true when old people doesn't understand the complicated nature of Bitcoin. But when it come to investment it would be better to use your funds in investment where you could control your assets. That's why you couldn't force other people to understand something they don't know we all have different types of convenience to use it's either bank or crypto
It's true that Bitcoin is not widely promoted worldwide, so many people are still ignorant about it, especially if you talk about third world countries, there are many places that don't have ATMs. So what do you say there? But the era is changing now even in the countries of the third world even though there are no ATMs in the villages, various mobile banking have been introduced. I hope that there will be a time in the future that in the places where mobile banking has been introduced, Bitcoin will also be accepted for payment.