Eventually, not everyone will want to pay "cash" (irreversible transfer) for everything. Additional security and services layer will be added to Bitcoin ecosyst

Eventually, not everyone will want to pay "cash" (irreversible transfer) for everything. Additional security and services layer will be added to Bitcoin ecosystem, and the fee for making indirect transfers through these intermediaries will go up to the same level. The majority of the economy will then make transactions using these services because they provide additional benefits that regular people need. So in the end, the only benefit of bitcoin will be that you can still transfer the "cash" coins by yourself through the system. I'm just wondering how valuable is that actual difference?