Definitely an asset. Until it's accepted in more places, NOT ONLINE, i.e retail stores, it won't be see as much else.
Also it's still decently hard to get BTC in most countries. I.e you have to go through quite a bit of effort and cost sometimes (i.e fees to send a wire transfer to some exchange)
you can always easily use other methods. you don't have to necessarily use an exchange service to get bitcoin.
for example i just sold some coins to someone in my country completely peer to peer and the other party used his bank (debit) card to transfer the money to my account with zero fees. and his price was just 1-2% below the market.