I've made a research about this before, and as far as I remember, most reasons why people in the rural area stays unbanked is because usually banks are far from their area which make it unaccessible to most of them, the lack of funds to have an access to financial services, and no proper financial education. Bitcoin may help in solving some problems such as ccessibility, but it will still depends if they have access to internet connection in their area. Bitcoin is also cheaper when it comes to transaction costs, also it doesn't need any maintaining balance unlike with banks. However, if a lot of people not just in rural area, still lack in basic financial education, it may be hard for them to adapt Bitcoin since it can be too complicated for them.
Bitcoin can solve some problems why people are still unbanked, but only to few. It's not an institution that provides various financial services to everyone.
Most of these unbanked people are from the rural areas and such regions provides lots of workers and most of them work outside the country. If a person in diaspora wants to send money back home and he realizes that his loved ones are unbanked, what will he do? So with BTC, such people may escape from the remittance high fees. BTc will open the minds of many people who receive. Everyone on the internet require some private and fast Ttransaction, it'll surprise you to know how electricity is everywhere including the rural area.
Going through the thread I don't see why people think using bitcoin demands lots of knowledge. If a person is there to instruct unbanked people on how to receive and send money, which is the most crucial aspect of bitcoin, the bitcoin usage process would have been more easier to them.