I don't think it is the time for mass adoption yet.

More than 99% of people don't understand the banking system. More than 99% of people don't understand cryptocurrencies.

Less than 1 % who think they understand the banking system, they don't see it live in front of them but understand the workings.

Less than 1 % who think they understand cryptocurrencies, they cannot differentiate between a decentralized cryptocurreny and a centralized one.

It's too much to expect from people to adopt something they don't even understand.

During a global financial crisis, people are hoping to survive. With the mainstream media holding their attention and the effects of global lockdown surrounding them, they want to move out of the crisis.

They have no choice but to do what the government says. Banks are slashing the reserve ratios to increase the supply and indebt the public to deal with the financial catastrophe.

As most people don't understand it, they won't risk anything and would depend upon the government guidelines. A small percentage will care to study and educate themselves and they will consider and most likely adopt the decentralized supply side by side.

For most people, banks will multiply the money supply with the further decreased reserve ratio, which is not going to increase back to what it was even when the crisis gets over.

The economic shock will make people avail the loans like never before and this trend will continue for many years in the new economy.

The adoption of cryptocurrencies will be there but true adoption of decentralized supply will always remain slow and steady as people should be wanting to educate themselves. That's what I believe.