I only bought my first crypto just over a year ago, until then, I didn't take it seriously. I'm a risk taker, I think the average person is much more cautious.
I think the masses are quite happy with their fiat and banks at the moment. Most people I speak to think I'm crazy putting my money into something so risky. It feels very similar to the 90's, when I couldn't persuade most people that the internet was a good thing.
Some things do need to change. I think it's far too easy to lose your private keys and it isn't easy to keep them private. People are storing them online or writing them down and losing the paper. Putting them in a safe might help but then thieves will have a great time if they know all our money is in a safe in our houses.
I'm sure there will be good solutions but I still think we have a few years before we get to the tipping point, when the masses can see more benefits in crypto than the current system.
I think ICO's are a mess, there's far too many coins, exchanges have too much power and many other issues need to be sorted out before people can feel confident about the future of crypto.