No NPC is going to go from no-coiner to whole-coiner at this point.

It's over.

They will never have more than 0.1 BTC and most will have much much less.

The price puts it out of reach.

Even if you woke up today and suddenly realized that bitcoin was the correct choice, you'd have to bone-up more than $100,000 to get to 1.0

Most NPCs can't imagine investing $1,000 (let alone $10,000) in an investment and just letting it ride for 4 years, 8 years, or forever - and there are many mental hurdles that NPCs still need to get over first.