In order for crypto to be widely adopted it will need to be able to be used as easy as cash and credit is now. There are exchanges and apps that are trying to do that and are getting close but are not quite there. The speed to authenticate, verify, and transfer need to be in seconds.
Cloudcoin is an interesting venture as its trying to be the "cash" of the new era and does not have a blockchain behind it, can easily be stored offline. They will soon be on the Bitshares exchange.