This problem is now very common in developing countries where common people do not feel safe keeping money in banks.
You don't need to big degree or much education before you can invest in bitcoin, bitcoin is open for all to invest in. Since you said people living in the city, it means that they should be able to be somehow civilized to a certain level that it will be easy for the to know how to use andriod phone or a computer, meaning such people can invest in bitcoin. A lot of high level degree people have condemned bitcoin because they feel that they know it all and believe that it is impossible for bitcoin to survive, ignoring the opporturnity bitcoin is giving to them due to pride and ignorant.
To invest in bitcoin only needs the basic knowledge of bitcoin which you can be taught how to buy bitcoin can also be learnt. I believe anyone that can have a bank account and do his bank transactions himself either by going to the bank or via mobile transfer already have the knowledge to be able to buy bitcoin and hodli.
This is the major reason why investor nowadays are migrating from investing in the bank to Bitcoin investment. Since they have decided to full custody of the money in the bank any opportunity these investors have to remove their fund they will quickly do that and shift all their fiat into Bitcoin. Soon the bank will lose the level of trust and number of customers.
In addition to what you said, people are losing trust in banks and running to bitcoin because banks are no longer reliable but only make people feel as if they are reliable. Fiat is also losing its value overtime making it worst for you to pile up your money in a bank. This has made people deviate from fiat and bank into bitcoin for save the value of their funds and get profits for investing in bitcoin for long. You get two benefits.