Bitcoin has no chance of becoming a reliable currency in the future.
If Bitcoin truly have no chance to become reliable curreny in the future as you presume then the governments and the institutions won't frightened by it potential. Besides, we wint have see some government creating their own national crypto.
Its too difficult to use
I don't see anything that makes bitcoin difficult to use if you're not too lazy and ignorant..
too easy to crack, too easy to lose,
The last time I checked no one has hacked bitcoin and if you're referring to wallet then it a human error that leads to that.