Crypto is highly volatile and a huge unanticipated risk is crypto theft, especially for people who are not tech savvy. I agree with a lot of your points but I don't necessarily advocate for early adoption for non-tech people, as the potential for massive loss is just as likely as significant gain. Don't invest things into crypto that you can't afford to lose. Wallets get stolen frequently and there is nothing that can be done after that point, it is irrevocably gone, forever.