Eh.  It's only disruptive if people adopt it en masse.  What do you think is more likely?  Western Union, Moneygram, MasterCard, Visa, Amazon, Ripple, etc. improving p2p money transfer, or BTC usurping all of the competition?  I used to be bullish on BTC, but giving it more thought, the value of this currency/commodity is too heavily tied to speculation and hype.  How many people just a few days ago were falling over themselves to say that $100 would never be broken again?  Honestly, I think what's more likely is that something similar to BTC and is redeemable for something of value (rather than dissipated watts in an ASIC) is the future.  If you think fiat requires a leap of faith, BTC requires an absolute acid trip.