Interesting observation, and boggles the mind—people in mud huts with debit cards! Yes, if they can get all of the turd worlders on-board, then our politicians will sell try to sell it to us peons: "See, everybody does it; not a problem!".
There is a quote I like in one of the linked articles: "Cash, the ultimate crypto-currency."
Remember that in Africa, almost everyone has a cell ‘phone. They lack indoor plumbing but they have cell phones. They mostly also never had ‘land line’ phones...
...If they use cells, they might quickly learn to use debit cards.