If you just look at this forum, most still think about how the price will one day jump high enough to make them rich. In the end, it all comes down to money and profit, Bitcoin is no exception, no matter what idea Satoshi Nakamoto had when creating it. I do not think it is realistic for BTC to replace the fiat completely, at least not in the near future. It is not only a technical matter, but it is also a human habit to leave most of the decisions in their lives to others, and in the case of finance, we are accustomed to having banks play a leading role.

Talking to people about owning BTC means being your own bank does not fall to fertile ground, because very few people want to take on that responsibility. Swimming downstream is always a lot easier than fighting the power of the river and swimming upstream.

Without the factor of value in the whole story hardly BTC would be interesting to people. It is true that 1 BTC is always 1 BTC, but it is impossible for people to get out of their heads the value of that 1 BTC. I've been tracking BTC since it was less than $200, and I can't escape the fact that it's worth 40 times more today.