- localbitcoins or localmonero, if you want to stay super secure you can use an option of "cash in the mail". You send money in mail to the verified seller, get back coins. Reputation system allows avoiding scam.
- Mining could be considered as a way of exchanging fiat to currency.
I think that's pretty easy to generalise and democratise. You have to care about it in the first place, though. I'm not sure enough people do.