I believe that sometime in the future, perhaps within the next 5-10 years, Bitcoin's role will begin to shift from being merely a speculative instrument to becoming a decentralized financial infrastructure.
You don't need to wait in the next 5-10 years became for me it will be still be the speculative asset that we have known today. It might be just less volatile, but still it has challenge the financial structure already.
How? Institutions and government are pouring in their money, more that the supposedly "retail" investors in all of us. So it will still be the speculative asset that we have known and I do not think that it will change. The only changes I know is that it's going to be adopted more every cycle and we can only imagine what will be the source of the money that will go inside and push it into another all time high every 4 years.