Gold is kind of base money, like bitcoin, it holds value, but isn't transacted so often. For me, best analogy to bitcoin is gold.
What makes you think Bitcoin isn't transacted so often (or that it shouldn't be)?
The fact that it can't scale to worldwide credit card network
Keeping a record of everything hapening in the world in every nodes is not needed. (even stupid) You don't need this security level for day to day tokens, just for the base money you will use to convert from time to time to buy tokens
Again, what makes you think so?
With my credit card I can buy a coffee or a TV and I expect it to work the same. Why would it be different with Bitcoin?
Why is keeping track of my daily expenses not needed? How will they be validated otherwise?