Are Cryptocurrencies Suitable for Everyone? — Inclusivity Challenges and Design Considerations for Elderly Users

This article explores whether cryptocurrencies (such as Bitcoin) are truly suitable for everyone, especially the elderly, by discussing the author's grandparents' approach to money management. The author points out that although older adults have rich financial experience and a cautious attitude, they face barriers when using cryptocurrencies, including complex interfaces, lack of education, and emotional resistance. Currently, cryptocurrency users are mainly young, male, well-educated digital natives, with older adults often excluded. The article emphasizes that to achieve genuine financial inclusion, cryptocurrency products need to be designed to be more intuitive and user-friendly, offering human-centered support such as large fonts, real-time chat, and simulation modes to help the elderly participate safely. At the same time, education should respect the experiences and needs of older adults, avoiding making them feel excluded. The author calls on the cryptocurrency industry to adopt inclusivity as a blueprint to genuinely enable everyone to participate.