Blockchain for the masses: A peek into the not-so-distant, decentralized future

Nobody has even figured out how to get cryptocurrency into the hands of the masses and make it easily obtainable. If I want to buy cryptocurrency, I have to use Coinbase and pay enormous fees, waiting 7 days to even get it, probably losing money in the end. There are no Bitcoin ATM's around me, what's my other option?

Also not to mention something like 85%+ of cryptocurrency is in exchanges, so "decentralization" is just a marketing word for cryptocurrency.