Personally, there are *many* barriers remaining before I will use bitcoin over my credit card and even a few significant barriers where I would use it over say cash (I never use a debit/check card myself).
I would like like to hear from bitcointalk members about what barriers YOU believe are preventing you from using bitcoin today.
The main barriers for using Bitcoin as money that I face:
1. Almost nobody accepts it as payment. My main expenses are the rent and groceries, and neither can be paid for in BTC. I also use public transportation and this buy a monthly pass which cannot be bought with BTC. I see some places accepting Bitcoin very rarely, but they don't sell the stuff I need, and I don't want to buy something I'm not going to use just to pay with Bitcoin.
2. Additional fees. From my limited experience with merchants that do accept Bitcoin as payment, it seems that it's always cheaper to pay with local fiat because the price in BTC is adjusted to cover fees required by the merchant to exchange it back to fiat.
3. Bitcoin transaction fees. When it's less that $1, I'd be willing to pay it. But when it's more that $1, it would be very significant given how much I usually spend somewhere, and I buy something that costs more than $50 very rarely.