How can you know? Does this come from some research or is this just your feeling? Because I'm not so sure that majority of Bitcoin users use online wallets and payment processors.
And exchanges are not entirely a bad thing, Bitcoin would be far worse if the only way to buy was in person for cash - people would get robbed and even killed quite often. People are using Bitcoin as a currency, they just don't talk about it, while those who are in for profits are talking about trading and price all the time.

I think overall Satoshi would be proud how big the Bitcoin community has grew, how good the codebase has become, how the network is stable and resilient.