The same argument can be made here. "You're speaking from a place of infrastructure privilege. Not everyone can afford smartphones. Not everyone has reliable access to electricity. Not everyone has reliable access to internet."
(I'd like to clarify I'm pointing out that this argument can be made, I'm not actually claiming to be familiar with anyone's circumstances or privileges.)
That's true. I'm not an expert, my guess though would be that more people have access to smartphones with a network connection than have access to a good banking system with stable currency.
> In 2022, the number of smartphone users in the world today is 6.648 Billion, which translates to 83.89% of the world's population owning a smartphone. In total, the number of people that own a smart and feature phone is 7.26 Billion, making up 91.62% of the world's population.
(I'd like to clarify I'm pointing out that this argument can be made, I'm not actually claiming to be familiar with anyone's circumstances or privileges.)