Yeah I get your point as there is still a gap between those who are having access to financial institutions and with those living in rural areas which is cut off from the big cities you made a big point but you have to realize something that any who is not having access to financial institutions like having a bank account in the bank in this time will not accept adopt Bitcoin and make use of it , the reason is that there are parts of the each countries that is cut off from the cities which to me is lacking in basic amenities like network schools electricity etc , so it will be difficult for these set of people to accept Bitcoin because they don't know what it means the best thing will be providing these basic amenities to them by government and you will see that they will naturally align with the rest of the country by embracing the banks and crypto currency will follow suits