Honestly, I agree with you. So far, it's not even a competition. It's hard to find precise data, somehow, but
at least 1.2 billion (in reality, it's probably around 3 billion) have bank accounts, whereas only
300 million people use cryptos. .
Hahaha, another one of that news about millions of crypto users, but this one is hilarious.
Let's just do a bit of math on this:

283 million, good...no problem yet
36% have an annual income over US$100k
82% have a Bachelor’s degree or higher
Now, counting in the fact that only 38% of American
households make over 100k, I wonder how that number goes globally! It would need about 50 million Indians and Nigerians and Kenyans with a wage of over $100k a year. And this considering that even the rest of the world would be capable of holding that 36% number, and not even Europe comes close to it.
82% have a Bachelor's degree would imply that either the entire rest of the world has one or India and Nigeria owners have a degree in about 66% of cases, do you see that possible?