As for this one, I believe you are underestimating the potential of this new economy severely.  Think about it this way...  Upon the creation of e-mail, there were very few users, and the value of such a service must have been similar to what you believe the value of BTC is now.  People looked at it as a useful tool, as BTC is now, but they never anticipated that it would ever be able to compete with the U.S. Postal Service and stand alone.  Today, everyone uses e-mail, it has been a tremendous success for both businesses and customers alike.  This will be the same for BTC.  As of now, there are few users by proportion to the population, but everyday that number grows.  At a certain point BTC will be able to stand alone by itself, and current fiat currencies will be worth about the value of the U.S. Postal Service is now.

Before leaving a comment, you could have spent more than 15 minutes thinking about it first.

-KBundy