People especially in the west are incentivized to trust institutions and color within the lines. Iām sure most people grew up in that frame of mind, I certainly did.
Most people donāt do something until itās absolutely necessary. This goes for everything. Electricity, cars, internet, etc.
Privacy is a funny one too because most people donāt think they do anything worth spying on. Everyone knows their activity gets spied on.
My point is magic internet money will only be used by people when there is a dire need or the authorities say itās cool.