I guess my response is that if Bitcoin is better for the individual, then that is what individuals will select.
Better for what? Its certainly not better for any individual or any business needing credit, and that is mostly everyone. Commerce without affordable credit just isnt going to work. Again, there is a reason we invented credit money countless centuries ago - when we already had gold. What makes you think today we could do without ?
Most individuals do not *need* credit. In the medium to long term, it is a net drain on their income and their ability to improve their future. It bonds them to jobs they don't want and saddles them with depreciating assets. They do it because running the presses all day forces interest rates low, discouraging saving and incentivizing non-advantageous spending.
I would suggest that it's also not always wise for businesses either. I'm not up for going into the full arguments and it's not always the case but there are some other perverse incentives at play there also.