Because of traffic congestion and block validation duration in the network, I don't think Bitcoin can be used in retails for example, buying groceries. On the other hand, Eth2.0 has almost everything we need for almost any kind of application. Smart contracts has proved it all. So, what I think is Bitcoin being gold similar to physical gold which we don't trade for daily routine activities. But revamped Eth has a huge potential to be on main stream.
If network congestion is your only argument then you have to know that ethereum network congestion is 10 times worse than bitcoin's not to mention that ETH 2.0 has never even addressed these issues despite what ETH pumpers want you to believe, it was mainly a hype mainly to pump it up.
the fact is that ethereum is too flawed to even be considered for anything serious.
Yes, there are many strong coins out there specially stable coins which can act as backbone of banking ecosystem.
You are terribly wrong here. Stable coins are the most centralized coins in cryptocurrency world, their only usage is a niche one for traders and nothing more. Not to mention that his "banking ecosystem" that you are talking about will never even touch any of them, instead they are creating their own shitcoin.