i hope people are now smarter than before. look at those projects holding their ico these days, very rare that you will encounter a project that raised their targets. most of them can't move forward because they failed to raise funds.
so that's a good sign over there. people dont trust anymore this type of fundraising. actually, the OP is already very generous about stating that about 10% will survive, i believe it is lower than that. look at the current list of coins or tokens. how many of them are existing for at least couple of years?

What about those people still lived in remote areas without electricity, no internet connection and doesn't know how to use even cellphone? How they can adopt and use digital currency easily? I think even in the future it will become difficult for them and I believe despite of the existence of digital money or currency, people will still use fiat money because it was issued by the government. Unless government will replace fiat money with digital money, it could force the people to use the digital money.

Correction, he knew about bitcoin in 2013, but turned around in 2020 and is now our favorite CEO whale.

Until now USDT is still widely used and trusted by people and one of the most popular tokens, but I think this is an old issue. It never hurts to be careful, I personally use USDT when other options are not available