Indeed, electronic money is affecting quite widely in many countries around the world. In my country, electronic money is advertised extensively. I am in college and our school regularly hosts blockchain technology seminars for students. This shows that the impact of electronic money is on the increase and in the future, blockchain technology will be developed and widely disseminated.
In Japan and above all China is now widespread, and also in many northern European states, but the real leap for a real and broad mass adoption will occur only when the big banks and global institutions will regulate the sector with laws, taxes and taxes; from there will be born custody accounts crypto as today there are securities deposit accounts, will open mutual funds, pension funds, etc.
Only then will we see crypto spread everywhere and we can pay coffee or ice cream with them.