I think the main reason why cryptocurrencies are not expanded already is the complexity it has. For example, I cango now to a bank, just give my ID and I will leave that place with an account I can put my money in. It is easy to get because we are not seeing or being told about what is going behind that walls or in the bank servers. The moment we have that easy access and usability for cryptos will be the time when everybody will use them. I will make a post to explain myself better, maybe this afternoon.