Mobile wallets are quite popular for the unbanked in those countries. You don’t need a decentralised ledger for that.

The banks are awful and have been known to go out of business and take peoples money with them. The concept of FDIC insurance doesn’t exist. Also, good luck getting an account when you don’t have an address.

Your reasoning is something like: problem unbanked people, solution crypto. I don't understand that reasoning at all. Why not look at solutions that have actually proven to work first? Why not investigate the problem and figure out what their needs actually are?

> Why not look at solutions that have actually proven to work first?

Power structures are ending cash in various places for various reasons, and we need some even kind of private digital replacement to cash.