You have a point regarding government and bank adoption, but there's life outside of these sectors. Take a look at China. Yes, you are right bitcoin never going to be officially adopted but a lot of people adopted it on their own to get around the fiscal control rules. A lot of people also using it to evade the watching eyes of their authoritarian governments, other using it to avoid the fees of legacy money transfer networks, and so on. Of course there are lot of people with more sinister use cases, but we can tell the same about fiat, gold, whatever store of value. There will be always demand for a cheap and independent money transfer method.