If bitcoin is ever to become mainstream then it needs to sort out its achilles heel. That is buying bitcoin in the first place. The process should be so easy that even your gran can do it.
Unfortunately at the moment its way to complicated.
People won't buy bitcoin if they don't understand how to and if none buys bitcoin no one will spend bitcoin except geeks and criminals.
dont agree with you.you know now,you have much money ,but your money is not in your hands,they are been deposited into bank by you.the same as the BTC in future, many people will deposit the BTC into the BTC bank

,Do not need to take Bitcoin in hands.
When it is possible, the bitcoin bank should be secure as cold wallet.