I think this is where I and ranochigo have a disagrement, I don't think Bitcoin will ever scale as a medium of exchange because our credit cards are just too convenient (and we generally don't have to pay any conversion/transaction fee to make a purchase with a CC) but I do believe that it can answer a particular need and the block size limit can be high enough to answer that need without being too high.
Yes, that is correct. I have the same sentiments actually, so not technically a disagreement because I never believed that you can ever scale on-chain, to match those of major payment processors. As you've mentioned, due to the convenience (to a certain extent also its feasibility) and the general reluctance to adopt Bitcoin as an actual currency.
The disagreements (CMIIW) that we've had is; whether we should have sustainable limits on the block size increase. Believe that I've made my point here, so it's just a clarification.