Econimics? Maybe you mean technical issues? Cryptocurrency is very hard for understanding, because there many difficult terms like "public key", "private key", "seed", "blockchain" and others. Most of my friends (25-30 years old) can't understand it. What to talk about elder people?
I remember many national altcoins like Aurora. And they all have died.
Ordinary people don't have need in it.
You confuse full understanding of something with ability to use it with no problem. Do you know how various electronic devices works? Can you fix your car?
Users, don't have to know every technical detail of tools they are using. You can be full fledged bitcoin user without knowing what public key is and how it is paired with public key.
As for the local Scottish currency issued by private individuals. I don't find it a good idea. In worst case scenario it will be closed like Liberty Dollar was.