I agree that mass adoption has not come because there is not enough incentives for regular people to use Bitcoin. There are few stores, and the ones there are offer their goods/services for the same price in Bitcoin than in Fiat. Why would a regular person go through the hassle of getting educated about Bitcoin, then using fiat to buy some, then buying with Bitcoin? It has no inmediate reward for that person.

People using Bitcoin are mainly those who expect to get a profit from it, so it is more of an investment. But paradoxically, it is an investment that would not work very well if people do not adopt it.