The value right now is only that it can be used in suspicious deals where i don´t wish to tell the banks (and by that the authorities) what i should use the money for, and who i give the money to. And of cause there is a speculative value in BTC.
As BTC cannot be created in the same way as fx USD, which is created every time a bank grant a loan, an increased number of transactions will increase the value of BTC.
All transactions are now treated as 'suspicious deals' by authorities (and banks) by default. It is the doctrine of presumption of guilt that was embraced implicitly by the West recently when it rejected presumption of innocence.
So Bitcoin has major value for the foreseeable future based on your premises (although they are weak, limited and mostly contrived it seems).