I'm not sure, it depends on how good the UX and trustless/low trust custodial services get[1]. I don't think crypto will ever be for "my grandma" for example. But I could see it being easy and safe enough for my dad, who knows what phishing is, would understand what private keys are, etc.

[1] This is too long to explain but basically something similar to multisig and time locks to add extra security. Nothing like this exists at least easy to use right now.

You said it though, it’s all about the UX. It’s much easier when you have something physical like a card or cash.