I am not completely agree with you. Bitcoin and bank are both different platforms. But we can say bitcoin can be more popular in future. If Bitcoin will be regulated then there will be a possibility it will be known as future currency otherwise I don't think so it will be a future currency. But I believe it will be widely used.
If bitcoin can not be regulated, then it can not become an official currency. I think that it will always remain an alternative way of payment. The government will not allow bitcoin to oust centralized currency