In my experience, there are a lot of cryptocurrency detractors that don't understand that the crux of their stance is essentially privilege.
Bitcoin volume in Venezuela today is a rounding error. But most of the country is using physical USD to transact.
Crypto still has not solved two key problems, volatility and usability. Most people are not technical. Most people are also not OK putting their savings in something that can easily lose half its value in a month.
Cell coverage is widely available in third-world countries, and smartphones are increasingly widespread.
So, not all that much privilege anymore.
Your anecdote doesn't invalidate my statement. 2G/3G coverage isn't even highly available in most third world country. How do you know your homeless guy had a data plan? You don't.