I think one major thing holdest back is the process of getting paid in crypto. For someone that doesn't really understand cryptocurrency and how to transfer crypto in fiat is worrisome for non-crypto enthusiasts. Unfortunately, the non-crypto users will have to understand the process of the exchanges to receive compensation which most probably wouldn't want to take the time to decipher.
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Especially because most people aren't able to go from SBD directly into their fiat. The extra complexity of having to go through BTC or ETH just makes everything harder.
It would be nice if somebody would tie in an easier way of doing things. I do think regular people are gradually becoming more crypto-literate, though. I'm constantly fielding questions about how Bitcoin works, and eventually maybe that will trickle all the way down to Steem.