1. Why does it have to be regular payments? Also you cannot use all the money you have as you probably do not use your fiat now and have savings. Same in crypto, even though some people use it as a currency, some people hodl it as savings.

2. Technologies like what?

3. Mining is not evil and it is the most secure way to have a healthy 51% attack-proof and decentralised currency. Welcoming centralised architectures into crypto would lead to losing the main idea of a decentralised, uncontrolled currency that you were talking about in 1st point.

4. Volatility isn't evil as it lets people profit from it. There has to be volatility in such a new project as bitcoin because it is a self regulated market.

5. So yeah, basically you answer with this point to the 4th point.

7. So I still don't get if you want a decentralised and unregulated or a new centralised and regulated fiat online currency.