All valid and relevant points indeed. Plus there's still a lot of people of the older generation who, believe it or not, still do not even have mobile phones let alone internet access, and nor do they want it. Granted that is a dwindling but still a substantial pool of people. Without modern tech, it's pretty hard to use cryptos :-)

Some people just prefer to have cold hard cash... and no a paper wallet is not the same thing. That brings us nicely to the next topic... the war on cash!