I think there are two huge problems concerning the Bitcoins future use in daily life.
1) Slow transactions
Its a turtle compared to most of the other coins, why should we choose Bitcoin? We actually need real time payments (as we already have them in real life)
2) No reimbursements
Paying using Bitcoin (or other cryptocurrencies) can be really really stressful.
If I make mistakes in sending bitcoin (and people make mistakes all the time) I wont never get reimbursed in any way
its not the same with FIAT.
If someone clones my credit card I have some chances to get my money back
what about bitcoin?!
At the moment, its impossible that Bitcoin or other cryptos are going to replace FIAT money in every days use.
Moreover, some more modern currencies have a better technology.
If we really will use cryptocurrencies in daily life, why should Bitcoin be the best coin to use?
This is the key question, because if we wont use it, Bitcoin will be worth 0 and not 100.000$ as someone says.
I don't think these are the problems .
Here we are much safe with bitcoin than with fiat because a single reason is not a big factor to make a particular thing back .
And i don't think bitcoin transaction are slower because when once we transfer the bitcoin then you can see in online directly but in the fiat we can't see things like this ( confirmation are ways to make money for the miners , so it is a important part of this thing ) .
And second thing you are saying that you can save your money in case of clone case , but why you are not thinking that suppose you made transaction and completed your deal but after the all deal complete the opposite person reverse the transaction then what you will do??
Ofcourse you will say bitcoin transaction are not bettet because reversible .
Here you can see that how many people are using PayPal for the international transactions , very few no. Of people are using because it is reversible .
So it is a better thing for us that bitcoin transaction are irreversible