If you have a vanishingly small budget and correspondingly high time preference, Bitcoin isn't really the best fit for your situation.
comments like this is why bitcoin has lost 6% market share in 2 months
NO bitcoin is NOT ready to take over central banking, get over it,
we are small potatoes, and we best realize that before litecoin ( or ETH ) steals all the TX vol.
Your
concern is duly noted. Please file your Bitcoin Obituary with the appropriate departmental clerk.
Fear. Uncertainty. Concern. Doubt. The four hoursemen of the blockocalypse!
Don't worry, it's just the Gavinista media campaign pushing the price down.
Have you noticed when Brian Armstrong speaks the price retreats? He's like Hearn 2.0.

already banks have turned away from bitcoin in favor of dev.ing there own private chains.
bitcoin isn't the only game in town, and bitcoin's network effect can't shield us forever.
the clock is ticking, and Vitalik Buterin is writing 1000's lines a minute trying to takeover, please do keep arguing about exactly when and how we will roll out the inevitable block size increase, do we even need a block size increase? let's go back the drawing board 1 more time to make sure we are not making a BIG mistake.
get a grip!