He will eventually buy it and use it, but not realize it.

When internet started roll out initially it was all using POTS network (plain old telephone system). You would hook up your modem to your phone to connect to internet.

Then DSL started to roll out and for a time homes had POTS for voice lines + DSL for internet.

Then eventually they migrated POTS to run over DSL - and all phones became VOIP.

In the end grandma, who always said she would never needed the internet, picked up her phone to call her friend and didn't realize that the call was going over the internet.

Same will happen with Warren

But at least he is invested in Nubank