Technology as a whole isn't pervasive enough across the majority of the population, and they've been burnt so hard by their own currencies that people mistrust

Technology as a whole isn't pervasive enough across the majority of the population, and they've been burnt so hard by their own currencies that people mistrust any that's not a global standard according to their governmentally controlled world view, like the US dollar is, so crypto has a very, very low chance of catching on.