Yeah I agree. A lot of crypto users have their heads up in the clouds when it comes to the the real life application of the currency. It's easy to dream of it achieving word domination in the realm of finance, but the real question is how?
Bitcoin needs many more features to be inherent in it to be usable, namely those mentioned above. It has great potential, but we need actualization for it to work. It doesn't just flood through and then everyone magically makes the shift over to crypto. There has to be a good reason for it, and a strong enough guarantee to make people feel safe. Try asking someone to pay you in bitcoin, and watch the look on his/her face. The majority aren't ready to trust it yet.
Perhaps in the future we'll have something like Bitcoin-based banks that will be centralized payment systems with digital tokens backed by Bitcoin. It sounds stupid at first, but even now a lot of institutional investors and just users are scared to use Bitcoin because they are afraid to manage their private keys. With Bitcoin banks this can be outsourced and their funds can be insured. Of course they would lose the main benefit of Bitcoin of eliminating the need for trust, as well as other benefits like privacy, but they would still be using fixed-supply currency, which might be the most important feature for some people.