I think once retailers (with 300-1000% markup) have a good understanding of BTC, and it's been proven it can handle the load (exponential increase of adoption) they will begin to offer significant discounts to their customers that use BTC so they can both sell off a portion for their day to day expenses plus taking an immediate profit in fiat and HODL a percentage of that markup in BTC for future risk/profit.

Any broker service that they (retailers) can trust to successfully manage their BTC holdings (for a fee) and realize a minimum 12% average interest on those holdings would simply be using sound business practice over the long run. imo

It will be the retailers who will eventually persuade/dictate that their supply chains, fixed cost providers and personnel accept, in part or in full, payments in BTC. I see a merging between the centralized and decentralized economy becoming the melting pot where the best of both will rise to the top.

Full saturation in the 23rd century. Of course by then BTC may not even be a major player. Ups and downs, ebb and flow. As always.

fdyl