There are SuperApps like WeChat or things like Mobile Money (MPESA), people can access those at anytime. Even using a 5$ ZTE phone. Crypto doesn’t solve much of the issues faced by the unbanked nowadays.

Bitcoin is too volatile. Stablecoins can’t really be trusted in the long haul… If someone can’t open a bank account, they probably won’t be able to afford gas fees either…

Unless we have to teach them how to use XRP or AVAX?

Mobile money beats crypto by a mile in remote locations.