"Bitcoin will never see widespread use as a currency. " seriously you have been on the forums for how long??? This isn't even an opinion its a fact that bitcoin is being used and is widespread.
"95-99.5% of the world does not want to be their own bank. And a decent proportion who do want to be, should not be." so you hav spoken to 95-99.5% of the world have you? You know what people want more then they do? Tells us more.
Merchant adoption peaked in 2014 and has been contracting ever since. People want to hoard it. They don't want to spend something that may be worth more tomorrow. That's human nature and it's not changing.
If Bitcoin becomes enormous then it will become established as truly deflationary eventually and its fate as a non currency is sealed. It would literally be the last thing you would ever want to spend. You might spunk some free profit. Other than that you're going to get rid of the fiat you have and try to hang on to that.
As for your second moan, I have explored almost every human mind on the planet and can reassure you that that is the case without a shadow of a doubt.
Case closed.