sorry , not all people use bitcoin for holding and making money only. but some use for day to day transaction which are not possible with real money or get discount with bitcoin. so your assumption that bitcoin is used for holding and making money is a wrong concept.
I use bitcoin quite a lot to buy things. So the confirmation speed is important to me.
Confirmation speed is important, yes. Imagine this scenario - you are at a local store that accepts bitcoin with dozens of people paying via bitcoin. If confirmation speeds are not instant, you have a long line of pissed off people waiting to complete their transaction. Problems like this will have an affect on adoption rates. This is probably one of the most pressing issues that needs to be resolved as soon as possible.