I think your right, except for some big problems

- easy to have them stolen, Ive read lots of people who had viruses on their android phone take their coins

- no "banks" yet to solve above problem, most people want to feel their money is INSURED ie FDIC

- value changes all the time, from 250 to 50 in the last month, and back again?

- if a flaw was found in bitcoin, it would all become worthless overnight



so that is why price today is $120 and not $10,000 ....  the solution = more time