I think out of the 3 things {Security, anonymity, stability}, they would be looking at, the most important would be
security for me.
Giving the crypto currency user the sole responsibility to carry all risk involved with keeping his money safe, would be more than most people would be willing or able to do.
I had difficulty explaining text messaging {SMS} to my grandmother, I cannot imagine trying to explain to her, how to use 2FA or using Private keys etc. to access her pension fund.
This is just too much for some people.