I was a little confused on what Beta software might mean so I checked it up online and it entails, the second phase (after the alpha-Indoor) testing where the developer of a software gets to put it out to the public to use it as a way of testing it.
If this be true, then I think over 12years and almost 13years of public testing and the wide range of people that are hooked onto the network would be such a way to do that.
Bitcoin might has as well long past these phase but I agree that, its not wise for one to put all there money in bitcoin. There should be room for diversification as it offers some securities and comfort.

On the second point, we aren't 20years yet and we could say, these numbers have come through, some more will still come through and the network would grow functional still.