1) Excessive usage charges - I don't get charged each time I use my debit card. Security - my bank guarantees my funds even if they screw up. Speed -

2) it takes seconds to withdraw cash or process a payment by Debit/Credit card. No confirmations needed.

3) My money is accepted around the world at almost each and every merchant - I tried to buy a basket of goods last week with bitcoin and the Marchand couldn't be bothered.

4) So I left. See other thread. No one will ever use or accept bit coin until these problems are addressed  immediately.