No doubt, Bitcoin is a great retirement option. But it isn't really hassle-free. It isn't actually 100% smooth and convenient all the time as you may want to portray it. It has its own share of hassles so to speak.

Bitcoin isn't really just inside your pocket and you don't need to do anything to use it. You will probably have to convert some, so you still have to deal with the banks and other third parties. There might still be delays and other glitches.

Bitcoin is also not an anytime money. Its volatility means there are good and bad times to transact.

As to possible threats and harm, you're actually not free from them just because you use Bitcoin.

My point is that while Bitcoin indeed makes our life better, it doesn't actually make it ideal.