It is not a speculative investment even though it is being used as such by other people. As Bitcoin network grows the value of Bitcoin grows. As people move into Bitcoin for payments and receipts they stop using US Dollars, Euros and Chinese Yuan which in the long-term devalues these currencies. Someday consumers and businesses won’t hold bitcoins for their account but will unknowingly access the bitcoin network whenever payments are made. So I hold an opinion that we need more technologies like Credits for example