What is important for me is that Bitcoin allows peer to peer transactions, not that it requires them. So long as this is true I have the advantage of being able to conduct direct peer to peer transactions when I wish, while keeping the convenience and utility of other arrangements (such as lending platforms and "banking" services) the rest of the time. The future is not all-or-nothing because financial transactions occur for myriad reasons and in innumerable situations. What Bitcoin provides is greater flexibility in addressing those situations than was possible with centralized fiat systems. That is part of what gives it enduring value and the opportunity to supplant centralized fiat systems going forward.