Maybe it's just me, but I don't see bitcoin being destined for coffees and pizzas. Transactions like that are, in a manner, as plain as a pikestaff. You don't care about censorship-resistance when buying a pizza. You don't care if third parties know which toppings in that pizza you prefer. You're never going to buy a pizza overseas.  You just want the transaction to complete the soonest, and pay the least in commissions.

Bitcoin is the good money from Gresham's law. As long as there's "bad money", it will not circulate much in the economy. Unless fiat currencies collapse completely, and both EU and US become poor, merchants will pretty much go in the fiat-way when stuff like censorship-resistance, privacy and being permissionless are not prioritized. And even in that chaotic scenario, there will be banks afterwards, in just another form. People without technical expertise will be required to forfeit their custody, unless some second layer can reach them with near zero disadvantages (I highly doubt about that).