Shouldnt the replacement for paper money, credit cards and banks be worth 100 times what some tech company is worth..?
No. Bitcoin isn't the replacement for paper money or credit cards or banks.
A replacement for paper money, all currencies, has existed for 30 years - in the form of debit cards, credit cards, and electronic transfers.
Bitcoin is something different altogether. And it should never replace fiat currency. If it starts to threaten fiat currency, the governments will come after it. Governments aren't going to relinquish their control of their currency so easy. It's best for Bitcoin to be an alternative but not a threat.