Those "problems" you've listed are only problems because people ignore one simple rule: If you aren't the sole controller of your private keys, you don't have any bitcoins.
yes, you are right. bitcoins = its private keys.
1 as assets,we need the community to keep bitcoin's advantage over its competitors all the time.
while we can not promise it.
2 if we regard bitcoin as medium of exchange more then assets, it will have both fiat and gold's pros.