i was helping crypto before there was crypto. don't own an bank account (they pissed me off some years ago and i stopped using it). It helps that some 30 years ago some banks run away with people's money so we had a strong cash culture, it is changing with years and there is more and more cards but still not as in "first world countries".
The thing is businesses need to start accepting crypto, that would be the best way to move from the banks