I guess few people here have ever been in a third world country. Yes, millions can't access a bank account, neither can they access an exchange. And that's good, because exchanges are for the poors are scams, taking a 10% fee, instead of the .5% (or less) we get in rich countries.

Also, some poor people don't use banks because they don't trust them, you couldn't convince them to use BTC...

People from 1st world cannot think the way people do in the 3rd world.