I think a big driver of ubiquity would be a transaction processor / guarantor similar to how Mastercard or Visa work on top of USD; then using BTC would be as e

I think a big driver of ubiquity would be a transaction processor / guarantor similar to how Mastercard or Visa work on top of USD; then using BTC would be as easy as using a credit card. Why is this not an option right now? - Volatility of BTC exchange rate - Endpoint security - Trust in a big organization like this to securely handle BTC - Uncertain political future of BTC - Need to roll out merchant point-of-sale solutions globally All these are being worked on though, and really there's nothing stopping anyone from making this a reality Real Soon Now with a lot of investment. The biggest risk might be a huge negative reaction from entrenched USD players such as banks, financial corporations, Wall Street, and the Fed. With the extent that they control the legislative branch, BTC might be excommunicated and fizzle out.