There's not a problem with traditional centralized payment processors to the point where the world needs a decentralized immutable option. To the extent the world wants one, there are currently better options than bitcoin due to bitcoin's consensus-based refusal to adapt.
Bitcoin is at the top of the pyramid. The community has put it there and they are keeping it there. It leads the race in market capitalization and trading volume, so people are obviously OK with what they get when they use bitcoin. If a time comes where the community decides to shift to something else or a majority of users abandon bitcoin for some other asset, the devs can ask themselves why that happened.