First, you have a lot of such topics that have been created, and I don't even think you go back to read the replies you get from them. 
 
Bitcoin has its own role to play in the financial system, and it's not there to replace the traditional banking system. When you talk about the challenges that it's going to face, I think Bitcoin has already faced all the challenges as the banks have attacked its existence over the years and have seen that there is nothing that could be done to it again; they have started embracing it, and even the government has been passing bills and regulations regarding its trading and holdings.
 
The only people that will have more challenges to face aside from the ones that they are already facing are the broker operators. Regulations are not being made in their favour; they are being billed and asked questions by different government agencies.