It is only a small step for Microsoft to allow portion of accounts to be held in bitcoin ... and then to allow withdrawls or spends of bitcoin to non-MS addresses ... suddenly your microsoft account starts to look a lot like your coinbase account ... but with a massively larger installed userbase and trusted brand identity behind it ... and Microsoft is head-to-head in a digital payments war with old foe Apple's Applepay
Upon reading this, it occurs to me that youth in the west might be a more likely adopter than third world right now. Lots of disposable income, access to technology and no access to bank accounts and credit cards.
All this unbanked fantasy is just from hipsters, the "feel good" social justice warrior types, same as this "currency" nonsense.
Billions of poor uneducated people in China but they are the minority trading Bitcoin.
all they need to buy is just few coin (maybe less than 100btc, because they will just use it internally) and use it as vehicle to move the fund securely. 
