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
I like your points and agree to all of them, except for the bank part. the point of decentralized is to not have banks and not backed by fdic. this is a facade you must see past. look at Cyprus for examples.