As transformative an innovation as cryptocurrency is, people remain the primary users, and people require trust. As established by Satoshi Nakamoto's Bitcoin (BTC) whitepaper, the core of cryptocurrency is a peer-to-peer electronic cash system that eliminates the need for intermediaries like banks. This spirited independence and scoffing at the hand-holding of traditional banking systems is pervasive across the cryptosphere.Yet, when mass adoption is the goal, some hand-holding becomes necessary in order to bring everyone along on the journey toward truly decentralized finance. We cannot expect our grandparents \u2014 who have difficulty sending an email \u2014 to sort out how to manage private keys, seed phrases and digital wallets and send your birthday gift in Bitcoin without some assistance. Indeed, this transition to decentralized finance is already well beyond sending birthday money and has evolved to include yield farming, liquidity mining and nonfungible token auctions. As such, trusted intermediaries have never been more essential to fulfilling the mainstream aspirations of DeFi and crypto.Related: Liquidity mining is booming \u2014 Will it last, or will it bust?Robots don't need trust, but humans doTrust is paramount to daily life in any civilization. We trust the opinion of doctors. We trust the taxi driver will take us where we need to go. We trust the food served to us at restaurants is safe to eat. We trust that cars will stop when the walk signal lights at a crosswalk.In the trustless world of cryptocurrencies, we still make decisions about who and what we trust. Most of us are not developers or engineers capable of analyzing the code of every DeFi protocol and every token before we participate. Instead, we gather information and assess what action to take based on what we do understand. Key questions in this decision-making process are: Do we trust the organization and the people behind the protocol? Do we trust that they are acting in good faith and the protocol does what it says it does?Studies have found that where we put our trust is evolving alongside the development of new technologies. Despite the novelty of algorithms deploying machine learning and artificial intelligence, people are increasingly putting their trust in algorithms over fellow human beings. A study published in Science Daily found that when subjects were presented with a crowd photograph and asked who would be better at arriving at the correct number of individuals featured in the picture, more said AI than said humans. At the same time, a different study found that a person's trust in technology is highly dependent on their exposure to it, with degrees in technology or engineering and familiarity with online algorithms leading to higher levels of trust in AI.Related: Mass adoption of blockchain tech is possible, and education is the keyThe results of both studies surely apply to the world of cryptocurrency as well. Growing trust in technology has made the adoption of cryptocurrencies as widespread as it is. Still, it\u2019s important to recognize that this adoption is occurring at varying rates across different demographics. Those with the most exposure to newer technologies \u2014 engineers and developers \u2014 are the earliest to adopt; those with the least exposure and access to resources trail behind. Therefore, it is incumbent upon those of us immersed in the cryptosphere to prioritize supporting those with less exposure. We do not want to end up with a \u201ctechnopoly\u201d wherein those with greater technical knowledge are the most privileged and those with the least are denied participation. That hypothetical dystopia would be contrary to the original democratizing promise of Bitcoin.Crypto's usability challengeWe must acknowledge that cryptocurrency presents unique usability challenges. Even among people who have access to the internet \u2014 currently measured at around 4.66 billion \u2014 use is often limited to social media, search and email. These web users are comfortable with email and password logins. Adding management of private keys \u2014 a string of jumbled numbers and letters that is difficult for the human eye to interpret \u2014 requires overcoming this lack of familiarity that web users have grown accustomed to.Related: Decentralized finance may be the future, but education is still lackingThe core value of "your keys, your coins" is revolutionizing our financial systems by endowing users with control over their assets rather than relying on banks and other centralized third-party service providers. However, this empowerment also comes with a burden many people new to the space may not immediately be ready for. We've all heard the horror stories of users losing their private key and, as a result, being denied access to potentially millions of dollars worth of cryptocurrency. I'm of the view that we shouldn't insist on throwing newbies into the crypto waters and demanding that they swim. Once people become comfortable managing their private keys, the training wheels can come off, and they can take on the burden (and benefits) of "your keys, your coins" themselves.New users must be fully supportedThe percentage of DeFi users remains quite small. According to the ConsenSys Q1 \u201cDeFi Report,\u201d the overall numbers are estimated to be around 1.75 million. Compared to the 4.66 billion internet users, this disparity highlights the massive opportunity for growth in the crypto economy. I would argue that the exchanges and platforms that prioritize education, user experience and customer support over all else will separate themselves from the pack and take the lead this year and into 2022, gaining significant portions of this untapped market.Related: To accelerate cryptocurrency adoption, we must first improve user experienceWomen, in particular, are a rapidly growing user demographic, and crypto platforms are not spending enough resources as they should catering to them. A CoinGecko 2020 user survey found only 9% of women have even heard of DeFi. This disparity between male and female users is unacceptable. The only way cryptocurrencies will achieve their true potential and empower a global user base with control over their own value is if we see adoption across all demographics, including gender, age, education, geography and technical knowledge. Therefore, as much as decentralized technologies strive to eliminate intermediaries, the human touch remains critical to the widespread adoption of cryptocurrencies.This article does not contain investment advice or recommendations. Every investment and trading move involves risk, and readers should conduct their own research when making a decision.The views, thoughts and opinions expressed here are the author\u2019s alone and do not necessarily reflect or represent the views and opinions of Cointelegraph.Laurence Newman is co-founder of Coinmama, a serial entrepreneur and a veteran in the Bitcoin space. After struggling to buy Bitcoin himself, Laurence set out to create a seamless, secure and engaging buying experience for one and all, and hence Coinmama was born. In addition to serving on its board of directors, Laurence heads up marketing and strategic partnerships at Coinmama.