There are a lot of people who don't understand these problems at all, and therefore distrust crypto. There are also a lot of people who understand these problem

There are a lot of people who don't understand these problems at all, and therefore distrust crypto. There are also a lot of people who understand these problems very well, and therefore distrust crypto. In developed nations, populations who are unbanked/underbanked typically have much bigger fish to fry. In developing nations, they typically already have a solution to the banking problem... and also bigger fish to fry. You'll notice that every article hyping up cryptocurrency as a solution for these things refers to "early adopters". The adopters are no longer early; they're now a perpetually fringe sub-population. (They're also presently experiencing inflation in crypto for the first time.)