There are very few cryptocurrencies that works for micro payments at the moment. Its too expensive, doesnt scale or doesnt have enough liquidity, with maybe a few exeptions.
I dont see why higher income should make you prefer banks. Personally I dont, and I know many who feel the same, regardless of income. In fact I would say that opposite is just as likely to be true. People with higher income would have much more to gain from using cryptocurrencies and a higher risk tolerance.