Most people don't use internet banking, and there are billions or so people without a bank account. Even internet and smartphones aren't global
This is exactly why many of us think bitcoin will grow so much. It doesn't need a bank account, and you can even use it with a dumbphone through SMS. So if most people don't have bank accounts or internet or smartphones, then bitcoin is the only option for most people.
This is exactly right. Not all can or have access on it especially at this moment.