With banks it is hard for many reasons. Often they ask too much information and make the process complicated. In other times, if you live somewhere rural you may need to go far away to open your account. Even when you open it, there is no branch close to you and maybe only an ATM at best. For someone who needs help from a bank worker in a branch, this is not useful. So why bother and lose some important money each month to pay for the account?
as much as we can identify this as part of the problem resident in rural areas are facing when it comes to getting access to the banking system, it is going to be more difficult for them to deal with bitcoin since to an extent, it is more difficult to understand bitcoin if you do not understand how the banking system works. a major issue people leaving in remote villages encounter is lack of access to internet services which is going to be at the Centre of using bitcoin as an alternative to the banking system. also, the issue of unavailability of smart phones is going to be another that is of serious concern because the majority of those leaving in such environment rarely have access to a good phone that is capable of browsing. it might even surprise you that the majority of them do not know how to use them which makes things more difficult to those that might be ready to champion the advocacy.
the issue of social divide is really broad and for people that are of the region that are on the list you brought out, the reality on ground is far more than what might have been documented already.