Except bitcoins are not instant, and aren't even guaranteed to go through. The transactions are also non-refundable and pseudo anonymous, unlike the payment me

Except bitcoins are not instant, and aren't even guaranteed to go through. The transactions are also non-refundable and pseudo anonymous, unlike the payment methods in your wallet. This is not a feature. Making analogies with computers and smart phones and wallets doesn't mean Bitcoin is guaranteed to be successful or mass adopted.