Op, I think including an intro to your write-up will make others understand better the information you are trying to pass.

That said, for me I think with the qualities bitcoin posses it will be more reasonable to say it is a digital asset for now. The scalability issue of bitcoin is a clear signal that it cannot be adopted as a global financial system at least for the time being. But if the scalability is enhanced then we can consider bitcoin as the future of global finance.