An example: you could never move money over the wire anonymously before crypto came in. Well, except if you had a fake identity, which is illegal. Now you can. Of course, you need to be a security expert in order to do it but ultimately UX will get there. I wasn't around at the early days of internet but I am pretty sure if my mother could access it back then she would have no idea what to do. And here she is calling me on Skype every other night.
Another example: There are millions of people who cannot afford buying a computer as you already said but possess low-cost mobile phones. There are already a bunch of bitcoin startups targeting that market. Apps and tools will eventually evolve up to the point where they will be accessible, easy-to-use, scam-free, safe. We just need to build them.