I see where you are coming from, but the real issue is the battle that will take place between too big to fail and bitcoin. Debt is not gonna be scratched in the next economic depression is going to be transferred to e money, and with that transition they will manage to drive people away from bitcoin, not me of course, but you get the idea. They will promote a pseudo paradigm shift by replacing paper money by emoney and then the real battle between bitcoin and the institutions will begin. Will the trust in institutions be damaged enough for decentralisation to take over? Otherwise amazon will be ruling the world with apple and google in 20 years. scary times
The question is: who will abandon paper money to entrust all in that new virtual payment system governed by the same banks that needed a bailout not long ago.
IMO for people to move from fiat to an electronic currency the latter has to show significant advantages over the former. Those advantages would be things like encryption of transfers, anonymity, fast and cheap transactions 24/7, not only within the same bank but between banks. Banks will never have those options, all they will be able to give is the same thing they're giving now. Free money for every new client, 0% loans, no fees... Will it be enough?