The key as Litoshi says is simplicity. Right now, the average person doesn't understand the concept of crypto-currencies. They understand they login to their bank, they get checks and a debit card, they have their check sent to their bank, and then they use their debit card.
We simply need to develop the infrastructure, ease of use, and incentive to change.
There will be a severe financial crisis soon, resulting in the death of many Currencies, including the Euro. If the infrastructure for mobile money transfer with XCR is on place when that happens, then XCR will see the same kind of overnight explosion that AOL saw after Xmas 1997 when 5 million people got cheap ($800) computers for Xmas with a AOL CD Rom.
When all hell breaks loose, people flock to safety. Have the sanctuary ready, and they will come.
And oh yeah.... there is that little factor of PRICE & DEMAND. 50 XCR for a new BMW?