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.