your bank can close your credit card and freeze your account and there's nothing you can do about that.
bitcoin allows you to become your own bank, you can even loan funds to other people without anyone being able to stop you, no credit card can do that.
There are very few bank users who worry about having their account frozen or their credit card's line of credit frozen, because most people aren't terrorists or drug dealers. So tell me again why exactly everyone is going to start using bitcoin? Why would I want to loan money to a friend? That sounds like a bad idea to begin with, but I suppose if I really wanted to, I'd just write him a check?
a system that disrupts 500 years of banking is not going to be perfect 5 years after its been invented, bitcoin's volatility will decline once the volume on exchanges becomes more substantial, today you only need a few million USD to move the price significantly.
you only need a few thousand to move the market, and that's because nobody is buying bitcoin for the reasons I've already explained. To become stable, there must be a huge volume of traders, which will never happen because bitcoin solves a problem that people don't have and will never have.
people can want big government all they want, governments rise and fall like the winter wheat, none last forever.
even the mighty roman empire collapsed, but hey, i'm sure its different this time...
Sure the US and Western European governments will fall somebody just like the Roman empire did, but probably not within our lifetimes. When that day comes, some people will take a hit and others will profit. When the new government inevitably arises, people will begin using the new currency. Bitcoin will not even be a footnote to that process.