Adoption of the Internet had serious pre-requisites in terms of the availability of computers in the general population so it’s not really surprising. One thing that was amazing about it was our ability to reuse existing networks to connect them all together.
I would say the pre-requisites are just as high this time. Just very different.
At least you could buy a computer in the 90s.
In my country, you cannot buy crypto anywhere. You have to go through some shady KYC process of a foreign company. Me and almost none of my friends are willing to do that.
And the very few who do are not willing to sell crypto to the others "Uuhhh no, go make your own Coinbase account."
The banks are all "Yeah, we are working on it. We don't know yet when we will offer it. It will take time to figure out the legal and technical aspects.".
I thought that crypto was supposed to be easy money transfer to absolutely anyone in the world. For nearly "free". A member of unfounded Amazon rainforest tribe could buy it and send it to for some service a Somalian farmer... For very tiny fee... Then somehow each would be able to convert it from their local currency...