Well people are like sheep, they just love to listen to some authority and do as it tells them. If however some folks they don't find authoritative try to convince them into something, they're like "naaah"...
So without the help of a higher instance than just folks, mass adoption will be difficult, even impossible.
Luckily, what are we seeing is large interest from authoritative entities like banks, payment providers and governments, followed by media coverage. Average Joe doesn't belive anything unless it's on TV.
Once things get kicking on an institutional level, everything will be considered seriously, and voila! We have a start of mass adoption.