Perfectly right. This will only change if several factors converge to create the right conditions. One big factor would be a new "Google" of bitcoin, namely a d

Perfectly right. This will only change if several factors converge to create the right conditions. One big factor would be a new "Google" of bitcoin, namely a disruptive new entry in the payements space, marketing BTC for the end user and threatening the incumbents to the point of forcing them to drop barriers to entry, and even start adopting the new technology.