Why Bitcoin is not being used to remit money to India?

There are lot of Indians working outside of India. So there is a huge market for Bitcoin or this is a great use case for Bitcoin. All these Indians working outside of India, sends money back home. They usually uses services like Western Union or Money Gram, then why don't they use Bitcoin?

I tried to understand this after talking to my co-workers, and here are few of the reasons-

1. Many such money transfer services are free, if you are sending more than $1000.

2. the exchange price is fixed, with Bitcoin, it is always changing and if you not unlucky the bitcoin price does not fall.

3. The money gets deposited instantly to bank accounts, With Bitcoin it is bit complicated, although with Zebpay and Unopay you can sell Bitcoin and withdraw money to bank account

4. Bitcoin is not tangible - Indians love real estate and gold, point being, they like tangible assets, hence they are still not hooked on Bitcoin

5. Network effect - but in this case this effect works in favor of money transfer services not in favor of Bitcoin. I hope this will change soon.

6. People are not confident enough about Bitcoin, technically it is not there yet to attract everyone and people do not really know or talk about it. Things might change in future, but right now, all people ( some of them, not all of them) know about Bitcoin is, it is digital currency, and that does not mean anything.