I am still confused about crypto impact. The aspect that at the last mile it needs to be converted to fiat currency most of the time means that exchanges need to interact with various govts and as Nigeria is finding out that last part complicates things a lot. In India therefore crypto is not the first port of investment with equity/mutual funds and bank deposits still holding sway, along with real estate. I agree with you that crypto can be a great boost, even with all the scams going on. But Indians are concerned with putting a lot of there hard earned money into a token which is not regulated and hence if it turns out to be a scam there is no redressal. So typically they put into crypto as a secondary investment as a speculation rather than an investment. If government would wholeheartedly accept crypto then matters might change but our govt is not yet fully positive about it, though the negativity stance has reduced at the moment.
I do hope that at least a few tokens, in addition to BTC, become stable platform that all govts would accept. It will really help many many people as you have highlighted. In fact interacting with all of you, my west African friends, have opened my eyes to how useful crypto can be. Earlier I used to dismiss it as only practical to Silicon valley types :)
Cheers from a fellow #dreemerforlife