I think it would be a much easier and saner a goal to achieve first (making bitcoin an accepted store of value), before we strain the community too much in trying to tackle an incredibly competitive payments market. I mean... those companies work on margins of fractions of a percent. They have ties with big banks and government, most of whom most likely won't want to deal with us - at first at least.
In general, I share some parts of your view but...
Competitiveness? I don't know about your country, but in mine, I have to pay more than 20% to government if I sell something. I think we can do better.