[semiotagonal]

In the absence of detailed understanding, it turns into a matter of trust.

Who will people trust more, banks and governments, or cryptocurrency nerds with untouchable money on the blockchain?

I think most people will opt for banks and governments, because when the going gets tough, the masses can overthrow them and expropriate from them. Cryptocurrencies put too many mathematical obstacles in the way of redistributing wealth against the owner's wishes.