FIRST, NON GOV CYPTO WILL NEVER REPLACE CONVENTIONAL CURRENCIES.
I get your point with all your text, but you seriously need to understand that banks, or governments, or whatever you want it to be.
Bitcoin still needs to improve a lot, and altcoins too.. You can not expect to go to a Starbucks and pay a coffee of $2 with bitcoins, because the fees are already $15.
So no, and the blocksize really needs to get increased too.