Is Crypto Overhiked as a Solution to Financial Inclusion?

One of the off touted advantages of both stable coins and a CBDC, now talking about the central bank version of it, is financial inclusion. And yet we have this FDIC report that I know you were paying attention to which found that nearly 96% of households in the US were banked in 2021. It's the unbanked rate is the lowest it's been since the survey started in 2009. So has crypto been overhiked as a solution here, when it seems like the problem is not as great as it was?