Man i was talking 1000x that bank gives for "free":
-chargebacks
-phonepayments
-wireless CC , debitcards
-loans
-user don't lose cash making transactions using BTC you lose allways like %3 on exchange
That cost you privacy but look who cares look  how many people use facebook, twitter, youtube, google

PS: With PayPal you could send money to email for years…

With crypto you can do some things that allow you bypass government restrictions:
-pay illegal stuff
-tax dogging
-give people money and they don't pay income tax (in my country they should pay like 22% tax)
-give money to WikiLeaks ( try do it by Gmail and not be flagged as criminal)
-avoid capital control
-BTC payments are UNSTOPABE
-with BTC you hold money and NOONE CAN take them from you even government (fiat – you have inflation, Police can freeze your account )
-crypto give you a freedom of work without taxation ( like forum signatures eg. )
-with crypto you can play illegal gambling and bypass country restriction
-with crypto you can build advanced systems ruled by digital contracts

Crypto is freedom that you are loosing with all centralized and data mined services.

BTC/Nem  won't be fiat competitor in terms of daily currency IMO, this is just not good deal,
Unless you leave in Venezuela