The habit of payment method of people have not even changed as we have not really gotten to that high stage of making payments P2P easily yet with bitcoin. However, in the long run, this is definitely expected to change anyway. However, based on financial status, this is something that has changed a lot for so many people and that of course is even enough to say bitcoin will change everything as it would be more like transfer of wealth, just that the rich would still at the end of the day get the best part of it.