Some people argue that something cannot ever be considered as money if you cannot get credit through it
Some people say the earth is flat.....
so for example you want to buy real estate and you need a loan, this needs government approval.
No, you don't.
How can Bitcoin ever reach that point of acceptance by a government if ultimately Bitcoin is disruptive against all states and governments?
Where did you get that idea from?
Look at what Japan did.
Or can Bitcoin be money even if it can only be used as a gold substitute?
Actually this is one tricky question now that I think about it....
From my point of view as long as it used to pay for goods and services and accepted by somebody it qualifies as money and I don't really see
BTC right now being used as a gold substitute only and more "also like a gold substitute"