Well, it is missing the adoption, that's why. But it's better now than a few years ago.
A lot of website introduced BTC as a payment system, and this is one of the first steps of an adoption.
So just be patient and wait few years, crypto system will replace banks and other payment systems.
It took several decades to integrate it officially in public businesses recognized by the government.
For now, bitcoin is still worth trading as a commodity asset in many countries, we only need to wait for developed countries to dare to choose the crypto currency in their vital business, before that happens, it is impossible to predict in just 1-10 years.