I believe that we will all be adopters of Crypto without knowing. I have a feeling that the banks are working on a faster payment settlement service - currently the SWIFT solution is old (basically using fax technology) so I believe they are building crypto settlements behind the scenes. Faster and cheaper settlements means more savings for the banks.
However as for mass adoption I believe you are actually referring to having a wallet and actually owning crypto. I think what’s holding people up is the fact that it’s still not as user friendly as it could be, crypto at the moment is viewed as an investment- people don’t buy Bitcoin to use it as a payment for something from Amazon tomorrow. So until banks offer crypto exchanges, or businesses actually paying staff in crypto I can’t see how mass adoption can occur.

At present there are literally thousands of crypto currencies available so what would regular Joe choose to buy? And then what would he do with that currency?

These all need to be answered and before countries start creating digital dollars, yen, pounds, euros etc....

Just my thoughts but would like to hear others thoughts?