I agree but not entirely.
I have no idea how visa works and I use it everyday.
But to use bitcoin just a few times per month need a lot of knowledge. You need to understand privatekeys/public keys pair concept, how to take care of your funds, etc.
Bitcoin allowed users to finally hold their money without a bank, however that comes with responsibility over your security.
Also, Bitcoin applications need to evolve a lot more to be easier for daily use.
Yes, how internet browser eased web surfing, Bitcoin applications will do that for bitcoin.
I think daily use of bitcoin is something which is not going to happen very soon, it has some more years.
Till then it will be used for investments and trading, like gold buy it and keep in locker.
I tell who every come to our LIME keep red part (private key) of paper wallet in manpocket and green part (public key) in you front pocket. Most of them are uneducated but they trust us and we keep that trust.