The Last Mile in People's Head Is Solved by Crypto, Right?

The lack of say financial inclusion in the US or there is a big fraction of people being unbanked is not that there was not technology to include them, right? You can set up on your mobile phone, right? A digital account and you can do all your finance online. It didn't need crypto and a token, you know, kind of to include these people. There's a very nice paper that Fernando Alvarez at the University of Chicago with some co-authors did about  the very ill-fated adoption of crypto in El Salvador. And what they show is actually the people who are cashing out their Bitcoin in the El Salvadoran system are the very financially literate,