It amazes me that people are still viewing the price in terms of fiat.... Why would you dream about "cashing out" big time to go back to such a broken currency such as the USD and other fiat? This currency allows us to never have to deal with fiat again and can be ensured it is secure and private.
Thing is as long as your merchant around the corner does not accept you monero payment people will have to use Fiat. Any CC that achieves this will be truely mass adopted.