I don't have access to USD accounts. I'm not a US resident and I don't have a US SS number. Wise does all that for me.

On the other hand, you can't get around the fact that all those unbanked people will need electronic fiat, on way or another, to be able to enter the BTC economy in the first place.

Unless you're limiting their access to those who receive BTC from overseas, which will be a small amount of them always. BTC is what you turn your bad fiat into to remain solvent and safe against the State through time.

But you gotta be able to convert it in the first place.