This is an interesting list.
Couldn’t be easier to get hold of Cryptocurrencies. In fact it’s much easier than opening a bank account in many respects. People just have an aversion to change.
There are several Crypto/Visa/Payment cards available with very user friendly Apps like Crypto.com...
Seems to me that if the various crypto factions of the world would get together and improve the process for acquiring, using and securing cryptocurrency, then educate the public on how to get it and actually use it, those "billions" would be made a heck of a LOT sooner!
As it stands, it doesn't...