The answer is that it often is not, at least for most people, most of the time. Eventually it will be the best payment system, but it needs to develop further, gain more adoption, and get over the scaling obstacles. Even so, Bitcoin is already the best payment system for certain use-cases, such as sending money across borders, or receiving money from someone you don't trust (which helps further in cross-border transactions).
Yup, I really agree with you op, anyone saying otherwise is daydreaming or just says what he thinks is good to say. Clearly, bitcoins as of today still has a lot of flaws in it that hinders it form becoming a better payment system than what we currently have today. But for people who wants to send money abroad or to sell and buy illegal stuff, it'll be heaven. LOL.