Bitcoin's biggest problem is that it's not consumer-friendly. No one would buy anything with Bitcoin when they could use Visa, with its built-in liability protection. Until that issue is resolved, Bitcoin will never be used for anything but money transfers and buying illegal goods.
I hope you're right. Eventually Bitcoin will support really secure built-in escrow (multisigned transactions). You'll be able to secure your purchase with any mutually trusted third party. No more trusting a handful of credit card companies.