It will take at least 50+ years for the whole world to adapt. Like the guy above me said, some people don't even shop alone and some don't even make use of online banking at all. I think that as long as people are adapting to bitcoin every year, the value will keep on growing.
You seem to be a wise man/woman.
It's a utopia to think innovation will go this rapidly. 5 years in terms of an revolution this huge, can be compared to 60 seconds... We have just taken off and are determing a direction of where to go.
Let's first win the trust of so many retailers/merchants etc.