Regulation and control is basically what is gradually stopping integration.
Governments has the fear of losing grip in money policy, the flow of tax, and control of capital when Bitcoin turns legal tender. Banks and financial institutions happen to resist, reasons being that it disrupt their normal method. Meanwhile households and firms may approve of it informally, complete adoption requires the backing of government, global cooperation, with infrastructure as to take care of volatility and safety matters..
If in the end the government will come to accept bitcoin as a legal tender, then everything about these issues will be cut off. This just proves that the government still holds the biggest luck for bitcoin, if the government won’t be open-minded about bitcoin being a legal tender, then we will never experience using bitcoin next to fiat.
But for now, this isn’t a problem for us because we are more focused on having bitcoin as an investment. But maybe in the future when bitcoin seems to lose its value slowly, maybe by that time we should use more as a currency than as an investment.