The future of bitcoin or cryptocurrency in general depends on 2 main causes. One is political and the second one is technical :
- First the algorithm must be able to soustain the increasing number of users and the tremendous number of transactions and the system must not fail at any point because if it does that means disaster.
- And there must be a strong political will to make crypto succed because it will make banks unuseful and thus bankers will fight it and try hard so it fails.
The interesting thing is of course your second opinion, we all know that banks will disappear if the use of crypto continues to increase so that all governments will fight it.