You people are overly optimistic. It is incredibly difficult to transact between BTC and fiat and that's whats holding it back, nobody is going to go straight bitcoin, you need ability to convert.

Adoption of bitcoin is also problematic, it cannot possibly compete with Visa/Mc, or even paypal/wu at this point.

this will be the biggest problem to solve, becoming accepted method of transactions.

or some kind of viral-like meme that just convinces everyone its an eternal store of value. not very likely, as network miners must be rewarded, and they are now losing money.