There's a huge number of people that are still unbanked in the world today. The average user can just spin up a bank account and use because majority of the account security and operations are handled by the bank. For bitcoin, the reverse is the case especially with open source, custodial wallets. I have met some people over the years that simply choose not to be involved with bitcoin because they don't understand some of the technicalities that powers and govern the network. Most of the things were feel are the basic and bare minimum might be difficult for someone that is not technically minded to understand.

But as more people get educated and informed, we can make headway in that direction.