In the late 90s to 2001? Many people were still using modems at that time. Cable or DSL wasn't even an option for a considerable percentage of the population.
Low Global Penetration: Only 361 million people had internet access worldwide in 2000, a small fraction of the global population.
Specific Country Examples
United States: The US had a significant portion of the world's internet users, making up 31.1% of all global users in 2000. Its penetration rate was 43.1%.
Not still using, flat out modemless. Lots of guys got their hand on a mouse for the first time only after Windows XP launched. Which was after the collapse.