1. People indeed resist change
2. The consumer-merchant deadlock is indeed there
3. A new financial crisis can indeed accelerate awareness of cryptocurrencies
4. The only way to mass adoption seems to be the gradual, then suddenly way. Also fitting the 'crossing the chasm' idea. According to this theory, something will be adopted by the whole group if about 13% adopts it (this point is 'crossing the chasm').

Given the superiority of cryptocurrencies over fiat in terms of rules (transparent, no shady ruler manipulating things, agnostic) and form (cryptocurrencies are not tied to the Internet via systems; they are integral parts of the Internet), I do not doubt we will each that 13% eventually. But we are still far away from that. It needs time.