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.
It won't happen until the kids who grew up after bitcoin existed become old people. By then everyone will be shopping online and will think of bitcoin as common place instead of a niche thing. Not everyone owns a smartphone yet, but all the kids do, and when they are old everyone will. It's the same for bitcoin.