You have to incentivize and enable people in order to get them to change.
M-PESA and the similar mobile money telecom products are doing more for digitizing and disrupting fiat currencies than cryptocurrencies are currently. Bitpesa is having some success as a bridge between the two, but it's going to be a struggle for any cryptocurrency or token to surpass the usability of digital currencies tied to the devices they already use and th kiosks / storefronts around them.