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?
You make the exact point, your credit card is such a store of value or wealth but an arbitrary system that takes a ton of value from you. The gigantic interest rates and fees are the product of not having a monetary unit that does not fluctuate in relation to the global economy. Not having a bedrock has evolved this "credit card" system that robs all of us of value.
So you outline the exact argument, that we NEED a bedrock for society at least or more importantly than high volume universal transactions. We can listen to Adam Smith's inquiry into the nature and causes of the Wealth of Nations:
The gold and silver money which circulates in any country, and by means of which, the produce of its land and labour is annually circulated and distributed to the proper consumers, is, in the same manner as the ready money of the dealer, all dead stock. It is a very valuable part of the capital of the country, which produces nothing to the country. The judicious operations of banking, by substituting paper in the room of a great part of this gold and silver, enable the country to convert a great part of this dead stock into active and productive stock; into stock which produces something to the country. The gold and silver money which circulates in any country may very properly be compared to a highway, which, while it circulates and carries to market all the grass and corn of the country, produces itself not a single pile of either. The judicious operations of banking, by providing, if I may be allowed so violent a metaphor, a sort of waggon-way through the air, enable the country to convert, as it were, a great part of its highways into good pastures, and corn fields, and thereby to increase, very considerably, the annual produce of its land and labour.
It seems to me there is a clear issue of not being able to have our cake and eat it too. Or rather the choice (only), between a high transaction currency or a solid monetary standard.
Are we together standing on the Great Pyramid?