My biggest problem is fluctuations and lack of places to actually spend it.
I think the biggest problem with Bitcoin is how difficult it is to keep it secure my bitcoin. even i use 2FA for secure my bitcoin but i'm still feel no safe
Do you do internet banking? If you can keep that money safe then you should be ok. I don't see how someone can get around 2-factor either.
I think fluctuation (you mean volatility i guess) will remain a problem for at least 10 to 20 years. The good side effect of this is there are potential millionaires in the making in each bubble we cross, if you take the right steps and end up holding after the bubble, with ideally more BTC than you started with each time.